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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 | $18,925 | $73,102-74.1% | $123,549-84.7% | $56,287-66.4% |
| Participation rate | 28.9% | 74.3%-45.5pp | 82.3%-53.4pp | 69.9%-41.0pp |
| Annual return | 2.18% | 3.01%-0.8pp | 119.20%-117.0pp | -9.96%+12.1pp |
| Employer contribution / active EE | $697 | $2,977-76.6% | $4,628-84.9% | $2,111-67.0% |
| Participant deferral / active EE | $1,075 | $5,423-80.2% | $6,426-83.3% | $3,350-67.9% |
| Admin fee / account holder | $1,013 | $554+82.9% | $9,284-89.1% | $521+94.4% |