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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 | $16,604 | $61,605-73.0% | $112,273-85.2% | $75,173-77.9% |
| Participation rate | 50.0% | 61.7%-11.7pp | 72.4%-22.4pp | 67.2%-17.2pp |
| Annual return | 15.91% | 28.47%-12.6pp | 30.23%-14.3pp | 160.72%-144.8pp |
| Employer contribution / active EE | $629 | $2,015-68.8% | $3,431-81.7% | $2,671-76.4% |
| Participant deferral / active EE | $945 | $3,108-69.6% | $4,800-80.3% | $4,126-77.1% |
| Admin fee / account holder | $993 | $4,862-79.6% | $7,752-87.2% | $5,651-82.4% |