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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 | $17,243 | $106,864-83.9% | $147,318-88.3% | $82,637-79.1% |
| Participation rate | 34.3% | 75.5%-41.2pp | 82.1%-47.8pp | 68.1%-33.8pp |
| Annual return | 16.45% | 27.49%-11.0pp | 70.43%-54.0pp | 53.51%-37.1pp |
| Employer contribution / active EE | $724 | $3,417-78.8% | $4,593-84.2% | $2,552-71.6% |
| Participant deferral / active EE | $1,743 | $6,496-73.2% | $7,906-78.0% | $4,126-57.8% |
| Admin fee / account holder | $3,819 | $8,415-54.6% | $13,708-72.1% | $7,339-48.0% |