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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 | $24,566 | $86,341-71.5% | $125,192-80.4% | $65,185-62.3% |
| Participation rate | 21.6% | 75.3%-53.7pp | 79.8%-58.2pp | 70.2%-48.6pp |
| Annual return | 26.26% | 27.44%-1.2pp | 43.79%-17.5pp | 29.38%-3.1pp |
| Employer contribution / active EE | $637 | $2,040-68.7% | $3,866-83.5% | $2,177-70.7% |
| Participant deferral / active EE | $1,148 | $3,538-67.6% | $4,937-76.8% | $3,514-67.3% |
| Admin fee / account holder | $766 | $609+25.6% | $9,704-92.1% | $847-9.6% |