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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 | $17,587 | $76,551-77.0% | $123,894-85.8% | $62,881-72.0% |
| Participation rate | 35.9% | 73.0%-37.1pp | 81.4%-45.5pp | 69.3%-33.4pp |
| Annual return | 7.75% | 18.68%-10.9pp | 47.52%-39.8pp | 20.14%-12.4pp |
| Employer contribution / active EE | $722 | $2,882-74.9% | $4,617-84.4% | $2,281-68.3% |
| Participant deferral / active EE | $1,302 | $4,840-73.1% | $5,984-78.2% | $3,203-59.4% |
| Admin fee / account holder | $6,176 | $4,826+28.0% | $8,357-26.1% | $4,296+43.8% |