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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 | $28,855 | $81,494-64.6% | $133,978-78.5% | $73,497-60.7% |
| Participation rate | 33.1% | 76.4%-43.3pp | 79.8%-46.8pp | 70.7%-37.6pp |
| Annual return | 17.95% | 19.40%-1.4pp | 45.10%-27.1pp | 28.51%-10.6pp |
| Employer contribution / active EE | $790 | $2,210-64.2% | $3,919-79.8% | $2,270-65.2% |
| Participant deferral / active EE | $1,444 | $3,787-61.9% | $5,047-71.4% | $3,740-61.4% |
| Admin fee / account holder | $373 | $713-47.8% | $8,930-95.8% | $513-27.4% |