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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 | $18,657 | $72,273-74.2% | $101,275-81.6% | $79,856-76.6% |
| Participation rate | 47.5% | 68.5%-21.0pp | 75.8%-28.3pp | 69.6%-22.1pp |
| Annual return | 12.86% | 22.30%-9.4pp | 46.48%-33.6pp | 31.71%-18.9pp |
| Employer contribution / active EE | $833 | $2,691-69.0% | $3,660-77.2% | $2,471-66.3% |
| Participant deferral / active EE | $1,247 | $3,282-62.0% | $4,371-71.5% | $3,741-66.7% |
| Admin fee / account holder | $953 | $4,401-78.3% | $5,948-84.0% | $5,306-82.0% |