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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 | $16,851 | $86,949-80.6% | $102,460-83.6% | $80,959-79.2% |
| Participation rate | 51.5% | 72.4%-20.9pp | 76.5%-25.0pp | 67.7%-16.2pp |
| Annual return | 17.74% | 18.89%-1.2pp | 29.47%-11.7pp | 35.67%-17.9pp |
| Employer contribution / active EE | $1,153 | $2,370-51.3% | $3,025-61.9% | $2,757-58.2% |
| Participant deferral / active EE | $1,549 | $4,121-62.4% | $5,056-69.4% | $4,300-64.0% |
| Admin fee / account holder | $524 | $8,048-93.5% | $9,460-94.5% | $6,925-92.4% |