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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 | $16,994 | $72,486-76.6% | $87,103-80.5% | $72,976-76.7% |
| Participation rate | 42.1% | 72.8%-30.7pp | 76.9%-34.8pp | 69.5%-27.4pp |
| Annual return | 19.89% | 24.46%-4.6pp | 28.19%-8.3pp | 81.02%-61.1pp |
| Employer contribution / active EE | $651 | $1,894-65.6% | $2,521-74.2% | $2,440-73.3% |
| Participant deferral / active EE | $1,255 | $3,270-61.6% | $4,049-69.0% | $3,608-65.2% |
| Admin fee / account holder | $790 | $5,055-84.4% | $7,491-89.5% | $5,124-84.6% |