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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 | $24,557 | $95,453-74.3% | $112,040-78.1% | $82,448-70.2% |
| Participation rate | 63.2% | 72.8%-9.6pp | 76.5%-13.3pp | 68.1%-4.9pp |
| Annual return | 17.34% | 23.92%-6.6pp | 24.52%-7.2pp | 41.64%-24.3pp |
| Employer contribution / active EE | $930 | $2,318-59.9% | $2,954-68.5% | $2,551-63.5% |
| Participant deferral / active EE | $1,916 | $4,224-54.6% | $5,098-62.4% | $4,139-53.7% |
| Admin fee / account holder | $1,617 | $9,013-82.1% | $12,098-86.6% | $7,234-77.7% |