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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 | $19,670 | $76,551-74.3% | $123,894-84.1% | $62,881-68.7% |
| Participation rate | 25.0% | 73.0%-48.0pp | 81.4%-56.4pp | 69.3%-44.3pp |
| Annual return | 9.59% | 18.68%-9.1pp | 47.52%-37.9pp | 20.14%-10.6pp |
| Employer contribution / active EE | $484 | $2,882-83.2% | $4,617-89.5% | $2,281-78.8% |
| Participant deferral / active EE | $1,287 | $4,840-73.4% | $5,984-78.5% | $3,203-59.8% |
| Admin fee / account holder | $1,731 | $4,826-64.1% | $8,357-79.3% | $4,296-59.7% |