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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 | $17,645 | $76,642-77.0% | $146,866-88.0% | $65,306-73.0% |
| Participation rate | 23.1% | 61.2%-38.2pp | 82.5%-59.4pp | 57.7%-34.6pp |
| Annual return | 14.45% | 33.40%-18.9pp | 102.85%-88.4pp | 21.94%-7.5pp |
| Employer contribution / active EE | $221 | $2,621-91.6% | $4,425-95.0% | $1,967-88.8% |
| Participant deferral / active EE | $765 | $4,864-84.3% | $7,759-90.1% | $2,959-74.2% |
| Admin fee / account holder | $734 | $3,960-81.5% | $13,620-94.6% | $3,480-78.9% |