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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 | $21,274 | $77,472-72.5% | $100,415-78.8% | $80,959-73.7% |
| Participation rate | 28.6% | 76.9%-48.4pp | 81.5%-52.9pp | 67.7%-39.1pp |
| Annual return | 12.90% | 37.26%-24.4pp | 49.47%-36.6pp | 35.67%-22.8pp |
| Employer contribution / active EE | $425 | $2,800-84.8% | $3,943-89.2% | $2,757-84.6% |
| Participant deferral / active EE | $1,752 | $6,818-74.3% | $8,091-78.3% | $4,300-59.3% |
| Admin fee / account holder | $2,958 | $5,885-49.7% | $7,906-62.6% | $6,925-57.3% |