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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 | $63,456-67.9% | $100,712-79.8% | $64,097-68.2% |
| Participation rate | 22.4% | 49.7%-27.3pp | 69.3%-46.9pp | 55.2%-32.8pp |
| Annual return | 17.07% | 19.65%-2.6pp | 33.27%-16.2pp | 34.64%-17.6pp |
| Employer contribution / active EE | $476 | $1,003-52.5% | $2,313-79.4% | $1,891-74.8% |
| Participant deferral / active EE | $827 | $2,463-66.4% | $4,085-79.7% | $3,080-73.1% |
| Admin fee / account holder | $1,757 | $4,808-63.4% | $9,256-81.0% | $3,454-49.1% |