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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 | $17,172 | $65,367-73.7% | $92,915-81.5% | $72,976-76.5% |
| Participation rate | 20.0% | 68.3%-48.3pp | 76.0%-56.0pp | 69.5%-49.5pp |
| Annual return | 16.70% | 42.11%-25.4pp | 109.45%-92.7pp | 81.02%-64.3pp |
| Employer contribution / active EE | $866 | $2,594-66.6% | $3,653-76.3% | $2,440-64.5% |
| Participant deferral / active EE | $864 | $3,128-72.4% | $4,238-79.6% | $3,608-76.1% |
| Admin fee / account holder | $601 | $4,251-85.9% | $5,796-89.6% | $5,124-88.3% |