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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 | $15,275 | $72,027-78.8% | $185,861-91.8% | $79,856-80.9% |
| Participation rate | 37.8% | 65.8%-27.9pp | 78.0%-40.2pp | 69.6%-31.8pp |
| Annual return | 20.68% | 23.13%-2.4pp | 35.96%-15.3pp | 31.71%-11.0pp |
| Employer contribution / active EE | $938 | $1,965-52.3% | $4,088-77.1% | $2,471-62.1% |
| Participant deferral / active EE | $1,245 | $3,780-67.1% | $5,634-77.9% | $3,741-66.7% |
| Admin fee / account holder | $1,317 | $4,513-70.8% | $9,503-86.1% | $5,306-75.2% |