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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 | $15,149 | $94,031-83.9% | $115,768-86.9% | $82,448-81.6% |
| Participation rate | 37.2% | 70.4%-33.2pp | 74.4%-37.2pp | 68.1%-30.9pp |
| Annual return | 16.30% | 20.61%-4.3pp | 100.46%-84.2pp | 41.64%-25.3pp |
| Employer contribution / active EE | $699 | $2,323-69.9% | $2,940-76.2% | $2,551-72.6% |
| Participant deferral / active EE | $1,089 | $3,972-72.6% | $4,917-77.9% | $4,139-73.7% |
| Admin fee / account holder | $1,166 | $10,249-88.6% | $12,439-90.6% | $7,234-83.9% |