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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $11,060 | $106,864-89.7% | $147,318-92.5% | $82,637-86.6% |
| Participation rate | 41.0% | 75.5%-34.5pp | 82.1%-41.1pp | 68.1%-27.1pp |
| Annual return | 23.31% | 27.49%-4.2pp | 70.43%-47.1pp | 53.51%-30.2pp |
| Employer contribution / active EE | $870 | $3,417-74.5% | $4,593-81.1% | $2,552-65.9% |
| Participant deferral / active EE | $1,312 | $6,496-79.8% | $7,906-83.4% | $4,126-68.2% |
| Admin fee / account holder | $558 | $8,415-93.4% | $13,708-95.9% | $7,339-92.4% |