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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 | $9,187 | $86,940-89.4% | $102,434-91.0% | $80,935-88.6% |
| Participation rate | 62.1% | 72.4%-10.3pp | 76.5%-14.4pp | 67.7%-5.6pp |
| Annual return | 15.93% | 18.89%-3.0pp | 29.46%-13.5pp | 35.66%-19.7pp |
| Employer contribution / active EE | $761 | $2,370-67.9% | $3,023-74.8% | $2,757-72.4% |
| Participant deferral / active EE | $1,824 | $4,121-55.7% | $5,055-63.9% | $4,299-57.6% |
| Admin fee / account holder | $1,353 | $8,047-83.2% | $9,462-85.7% | $6,924-80.5% |