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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 | $16,919 | $78,670-78.5% | $109,173-84.5% | $85,847-80.3% |
| Participation rate | 30.2% | 68.3%-38.1pp | 75.9%-45.7pp | 69.3%-39.2pp |
| Annual return | 15.35% | 25.09%-9.7pp | 25.75%-10.4pp | 318.61%-303.3pp |
| Employer contribution / active EE | $665 | $2,734-75.7% | $3,723-82.1% | $2,565-74.1% |
| Participant deferral / active EE | $1,454 | $3,467-58.1% | $4,654-68.8% | $3,952-63.2% |
| Admin fee / account holder | $989 | $5,469-81.9% | $6,755-85.4% | $6,261-84.2% |