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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 | $14,773 | $77,896-81.0% | $134,172-89.0% | $82,448-82.1% |
| Participation rate | 32.5% | 62.8%-30.3pp | 72.5%-40.0pp | 68.1%-35.6pp |
| Annual return | 19.74% | 18.21%+1.5pp | 25.30%-5.6pp | 41.64%-21.9pp |
| Employer contribution / active EE | $571 | $2,159-73.6% | $3,420-83.3% | $2,551-77.6% |
| Participant deferral / active EE | $680 | $3,162-78.5% | $4,690-85.5% | $4,139-83.6% |
| Admin fee / account holder | $368 | $6,336-94.2% | $12,016-96.9% | $7,234-94.9% |