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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 | $18,035 | $79,449-77.3% | $189,558-90.5% | $85,856-79.0% |
| Participation rate | 28.6% | 66.0%-37.4pp | 78.5%-49.9pp | 69.3%-40.7pp |
| Annual return | 13.76% | 18.45%-4.7pp | 64.19%-50.4pp | 318.58%-304.8pp |
| Employer contribution / active EE | $413 | $2,081-80.2% | $4,412-90.6% | $2,565-83.9% |
| Participant deferral / active EE | $855 | $4,051-78.9% | $6,174-86.1% | $3,952-78.4% |
| Admin fee / account holder | $3,510 | $5,377-34.7% | $9,809-64.2% | $6,261-43.9% |