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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 | $20,655 | $106,864-80.7% | $147,318-86.0% | $82,637-75.0% |
| Participation rate | 30.6% | 75.5%-44.9pp | 82.1%-51.5pp | 68.1%-37.4pp |
| Annual return | 17.82% | 27.49%-9.7pp | 70.43%-52.6pp | 53.51%-35.7pp |
| Employer contribution / active EE | $761 | $3,417-77.7% | $4,593-83.4% | $2,552-70.2% |
| Participant deferral / active EE | $1,798 | $6,496-72.3% | $7,906-77.3% | $4,126-56.4% |
| Admin fee / account holder | $706 | $8,415-91.6% | $13,708-94.8% | $7,339-90.4% |