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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 | $20,850 | $71,526-70.8% | $98,450-78.8% | $71,495-70.8% |
| Participation rate | 31.4% | 72.7%-41.3pp | 75.2%-43.8pp | 67.9%-36.6pp |
| Annual return | 18.55% | 32.42%-13.9pp | 21.16%-2.6pp | 28.85%-10.3pp |
| Employer contribution / active EE | $776 | $2,400-67.7% | $3,049-74.5% | $2,589-70.0% |
| Participant deferral / active EE | $1,412 | $4,110-65.6% | $4,739-70.2% | $4,291-67.1% |
| Admin fee / account holder | $2,884 | $1,675+72.2% | $8,961-67.8% | $1,588+81.7% |