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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 | $12,884 | $85,515-84.9% | $112,040-88.5% | $67,986-81.0% |
| Participation rate | 50.0% | 68.2%-18.2pp | 76.5%-26.5pp | 57.2%-7.2pp |
| Annual return | 13.67% | 29.68%-16.0pp | 24.52%-10.9pp | 31.67%-18.0pp |
| Employer contribution / active EE | $1,072 | $2,191-51.1% | $2,954-63.7% | $2,019-46.9% |
| Participant deferral / active EE | $1,340 | $4,014-66.6% | $5,098-73.7% | $3,358-60.1% |
| Admin fee / account holder | $3,368 | $3,774-10.8% | $12,098-72.2% | $3,203+5.1% |