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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 | $16,481 | $60,349-72.7% | $74,184-77.8% | $62,881-73.8% |
| Participation rate | 48.4% | 72.7%-24.3pp | 76.6%-28.2pp | 69.3%-20.9pp |
| Annual return | 5.78% | 21.38%-15.6pp | 17.74%-12.0pp | 20.14%-14.4pp |
| Employer contribution / active EE | $636 | $1,680-62.1% | $2,370-73.2% | $2,281-72.1% |
| Participant deferral / active EE | $1,060 | $2,856-62.9% | $3,550-70.1% | $3,203-66.9% |
| Admin fee / account holder | $328 | $4,261-92.3% | $5,586-94.1% | $4,296-92.4% |