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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 | $11,806 | $124,980-90.6% | $108,359-89.1% | $154,746-92.4% |
| Participation rate | 31.3% | 75.2%-43.9pp | 70.1%-38.9pp | 80.7%-49.5pp |
| Annual return | 17.40% | 45.00%-27.6pp | 36.89%-19.5pp | 172.34%-154.9pp |
| Employer contribution / active EE | $566 | $2,851-80.1% | $2,399-76.4% | $4,379-87.1% |
| Participant deferral / active EE | $609 | $4,743-87.2% | $4,137-85.3% | $6,730-90.9% |
| Admin fee / account holder | $1,086 | $11,502-90.6% | $9,741-88.9% | $14,365-92.4% |