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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 | $18,415 | $77,574-76.3% | $108,753-83.1% | $86,983-78.8% |
| Participation rate | 43.3% | 62.3%-19.0pp | 71.1%-27.8pp | 69.5%-26.2pp |
| Annual return | 12.33% | 18.42%-6.1pp | 37.47%-25.1pp | 25.83%-13.5pp |
| Employer contribution / active EE | $304 | $1,611-81.1% | $2,427-87.5% | $2,584-88.2% |
| Participant deferral / active EE | $1,224 | $3,128-60.9% | $4,115-70.3% | $4,194-70.8% |
| Admin fee / account holder | $2,028 | $6,529-68.9% | $10,320-80.3% | $7,856-74.2% |