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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 | $20,359 | $64,010-68.2% | $108,359-81.2% | $64,340-68.4% |
| Participation rate | 22.4% | 49.4%-27.0pp | 70.1%-47.7pp | 55.2%-32.9pp |
| Annual return | 17.07% | 19.74%-2.7pp | 36.89%-19.8pp | 24.14%-7.1pp |
| Employer contribution / active EE | $476 | $1,029-53.7% | $2,399-80.2% | $1,862-74.4% |
| Participant deferral / active EE | $827 | $2,395-65.5% | $4,137-80.0% | $2,980-72.2% |
| Admin fee / account holder | $1,757 | $4,885-64.0% | $9,741-82.0% | $3,703-52.5% |