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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 | $16,881 | $93,589-82.0% | $135,942-87.6% | $75,181-77.5% |
| Participation rate | 34.1% | 75.2%-41.1pp | 81.9%-47.8pp | 67.2%-33.1pp |
| Annual return | 33.04% | 30.90%+2.1pp | 68.28%-35.2pp | 160.69%-127.6pp |
| Employer contribution / active EE | $1,348 | $3,537-61.9% | $4,858-72.2% | $2,671-49.5% |
| Participant deferral / active EE | $2,256 | $6,405-64.8% | $7,759-70.9% | $4,126-45.3% |
| Admin fee / account holder | $365 | $6,977-94.8% | $10,764-96.6% | $5,650-93.5% |