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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 | $11,026 | $93,598-88.2% | $135,974-91.9% | $75,173-85.3% |
| Participation rate | 41.4% | 75.2%-33.8pp | 81.9%-40.5pp | 67.2%-25.8pp |
| Annual return | 27.52% | 30.89%-3.4pp | 68.30%-40.8pp | 160.72%-133.2pp |
| Employer contribution / active EE | $1,333 | $3,538-62.3% | $4,859-72.6% | $2,671-50.1% |
| Participant deferral / active EE | $2,471 | $6,405-61.4% | $7,760-68.2% | $4,126-40.1% |
| Admin fee / account holder | $1,789 | $6,978-74.4% | $10,767-83.4% | $5,651-68.3% |