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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 | $13,165 | $88,360-85.1% | $145,433-90.9% | $67,986-80.6% |
| Participation rate | 34.6% | 65.5%-30.9pp | 82.1%-47.5pp | 57.2%-22.6pp |
| Annual return | 18.33% | 63.15%-44.8pp | 66.58%-48.2pp | 31.67%-13.3pp |
| Employer contribution / active EE | $1,049 | $3,054-65.7% | $4,554-77.0% | $2,019-48.1% |
| Participant deferral / active EE | $1,417 | $5,932-76.1% | $7,897-82.1% | $3,358-57.8% |
| Admin fee / account holder | $3,569 | $3,313+7.7% | $13,129-72.8% | $3,203+11.4% |