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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 | $16,760 | $76,551-78.1% | $123,894-86.5% | $62,881-73.3% |
| Participation rate | 43.5% | 73.0%-29.5pp | 81.4%-37.9pp | 69.3%-25.8pp |
| Annual return | 7.37% | 18.68%-11.3pp | 47.52%-40.1pp | 20.14%-12.8pp |
| Employer contribution / active EE | $1,064 | $2,882-63.1% | $4,617-77.0% | $2,281-53.4% |
| Participant deferral / active EE | $1,586 | $4,840-67.2% | $5,984-73.5% | $3,203-50.5% |
| Admin fee / account holder | $4,731 | $4,826-2.0% | $8,357-43.4% | $4,296+10.1% |