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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 | $19,718 | $101,795-80.6% | $165,100-88.1% | $80,959-75.6% |
| Participation rate | 38.3% | 71.8%-33.5pp | 78.6%-40.3pp | 67.7%-29.4pp |
| Annual return | 11.23% | 16.73%-5.5pp | 70.21%-59.0pp | 35.67%-24.4pp |
| Employer contribution / active EE | $988 | $2,954-66.6% | $4,348-77.3% | $2,757-64.2% |
| Participant deferral / active EE | $1,793 | $4,476-59.9% | $6,035-70.3% | $4,300-58.3% |
| Admin fee / account holder | $1,232 | $8,221-85.0% | $12,696-90.3% | $6,925-82.2% |