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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 | $17,021 | $78,428-78.3% | $95,960-82.3% | $79,852-78.7% |
| Participation rate | 42.5% | 73.5%-31.0pp | 77.1%-34.6pp | 69.6%-27.1pp |
| Annual return | 13.72% | 19.37%-5.7pp | 91.63%-77.9pp | 31.72%-18.0pp |
| Employer contribution / active EE | $606 | $1,945-68.9% | $2,541-76.2% | $2,471-75.5% |
| Participant deferral / active EE | $1,226 | $3,440-64.4% | $4,167-70.6% | $3,740-67.2% |
| Admin fee / account holder | $2,388 | $5,622-57.5% | $6,797-64.9% | $5,306-55.0% |