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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 | $18,998 | $86,949-78.2% | $102,460-81.5% | $80,959-76.5% |
| Participation rate | 35.5% | 72.4%-36.9pp | 76.5%-41.0pp | 67.7%-32.2pp |
| Annual return | 12.55% | 18.89%-6.3pp | 29.47%-16.9pp | 35.67%-23.1pp |
| Employer contribution / active EE | $751 | $2,370-68.3% | $3,025-75.2% | $2,757-72.7% |
| Participant deferral / active EE | $1,473 | $4,121-64.3% | $5,056-70.9% | $4,300-65.7% |
| Admin fee / account holder | $6,377 | $8,048-20.8% | $9,460-32.6% | $6,925-7.9% |