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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 | $16,218 | $65,246-75.1% | $98,716-83.6% | $67,986-76.1% |
| Participation rate | 30.2% | 51.4%-21.2pp | 69.3%-39.1pp | 57.2%-27.0pp |
| Annual return | 15.24% | 20.58%-5.3pp | 31.81%-16.6pp | 31.67%-16.4pp |
| Employer contribution / active EE | $261 | $1,042-75.0% | $2,279-88.5% | $2,019-87.1% |
| Participant deferral / active EE | $546 | $2,594-79.0% | $4,048-86.5% | $3,358-83.7% |
| Admin fee / account holder | $352 | $4,561-92.3% | $8,703-96.0% | $3,203-89.0% |