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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 | $19,532 | $72,492-73.1% | $87,102-77.6% | $72,983-73.2% |
| Participation rate | 67.2% | 72.8%-5.6pp | 76.9%-9.6pp | 69.5%-2.2pp |
| Annual return | 19.60% | 24.46%-4.9pp | 28.19%-8.6pp | 81.01%-61.4pp |
| Employer contribution / active EE | $1,702 | $1,894-10.1% | $2,521-32.5% | $2,440-30.2% |
| Participant deferral / active EE | $862 | $3,270-73.6% | $4,048-78.7% | $3,608-76.1% |
| Admin fee / account holder | $730 | $5,055-85.6% | $7,491-90.3% | $5,124-85.8% |