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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 | $21,711 | $83,485-74.0% | $125,192-82.7% | $72,975-70.2% |
| Participation rate | 51.9% | 73.3%-21.4pp | 79.8%-27.9pp | 69.5%-17.6pp |
| Annual return | 24.41% | 25.77%-1.4pp | 43.79%-19.4pp | 81.01%-56.6pp |
| Employer contribution / active EE | $723 | $2,346-69.2% | $3,866-81.3% | $2,440-70.4% |
| Participant deferral / active EE | $1,210 | $3,586-66.2% | $4,937-75.5% | $3,608-66.4% |
| Admin fee / account holder | $450 | $5,518-91.8% | $9,704-95.4% | $5,124-91.2% |