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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 | $22,187 | $62,166-64.3% | $81,353-72.7% | $74,459-70.2% |
| Participation rate | 25.5% | 64.1%-38.6pp | 69.5%-44.0pp | 67.2%-41.7pp |
| Annual return | 16.08% | 16.50%-0.4pp | 24.82%-8.7pp | 1369.70%-1353.6pp |
| Employer contribution / active EE | $897 | $1,881-52.3% | $2,464-63.6% | $2,626-65.9% |
| Participant deferral / active EE | $1,218 | $3,223-62.2% | $3,885-68.7% | $4,350-72.0% |
| Admin fee / account holder | $351 | $1,925-81.8% | $5,766-93.9% | $1,945-81.9% |