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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 | $10,174 | $82,879-87.7% | $96,576-89.5% | $67,986-85.0% |
| Participation rate | 49.0% | 75.2%-26.2pp | 81.4%-32.4pp | 57.2%-8.2pp |
| Annual return | 29.53% | 36.90%-7.4pp | 38.47%-8.9pp | 31.67%-2.1pp |
| Employer contribution / active EE | $1,062 | $2,727-61.1% | $3,553-70.1% | $2,019-47.4% |
| Participant deferral / active EE | $1,837 | $6,976-73.7% | $7,956-76.9% | $3,358-45.3% |
| Admin fee / account holder | $1,150 | $2,783-58.7% | $11,381-89.9% | $3,203-64.1% |