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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 | $20,038 | $76,834-73.9% | $108,359-81.5% | $87,485-77.1% |
| Participation rate | 19.4% | 61.7%-42.3pp | 70.1%-50.7pp | 68.9%-49.5pp |
| Annual return | 15.20% | 19.09%-3.9pp | 36.89%-21.7pp | 26.06%-10.9pp |
| Employer contribution / active EE | $572 | $1,556-63.3% | $2,399-76.2% | $2,596-78.0% |
| Participant deferral / active EE | $609 | $3,100-80.4% | $4,137-85.3% | $4,274-85.7% |
| Admin fee / account holder | $1,395 | $6,537-78.7% | $9,741-85.7% | $7,775-82.1% |