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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 | $19,548 | $72,273-73.0% | $101,275-80.7% | $79,856-75.5% |
| Participation rate | 23.5% | 68.5%-44.9pp | 75.8%-52.3pp | 69.6%-46.1pp |
| Annual return | 15.32% | 22.30%-7.0pp | 46.48%-31.2pp | 31.71%-16.4pp |
| Employer contribution / active EE | $1,013 | $2,691-62.4% | $3,660-72.3% | $2,471-59.0% |
| Participant deferral / active EE | $1,330 | $3,282-59.5% | $4,371-69.6% | $3,741-64.4% |
| Admin fee / account holder | $1,115 | $4,401-74.7% | $5,948-81.3% | $5,306-79.0% |