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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 | $14,888 | $90,400-83.5% | $186,193-92.0% | $87,485-83.0% |
| Participation rate | 52.8% | 66.2%-13.4pp | 77.1%-24.3pp | 68.9%-16.1pp |
| Annual return | 13.06% | 22.15%-9.1pp | 78.03%-65.0pp | 26.06%-13.0pp |
| Employer contribution / active EE | $570 | $2,170-73.8% | $3,918-85.5% | $2,596-78.1% |
| Participant deferral / active EE | $1,011 | $4,330-76.6% | $6,513-84.5% | $4,274-76.3% |
| Admin fee / account holder | $2,116 | $8,673-75.6% | $11,058-80.9% | $7,775-72.8% |