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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 | $18,900 | $58,493-67.7% | $84,021-77.5% | $72,975-74.1% |
| Participation rate | 35.1% | 61.2%-26.1pp | 69.0%-33.9pp | 69.5%-34.4pp |
| Annual return | 22.17% | 28.93%-6.8pp | 71.32%-49.2pp | 81.01%-58.8pp |
| Employer contribution / active EE | $455 | $1,163-60.9% | $1,984-77.1% | $2,440-81.4% |
| Participant deferral / active EE | $789 | $2,394-67.1% | $3,239-75.6% | $3,608-78.1% |
| Admin fee / account holder | $1,110 | $4,569-75.7% | $6,102-81.8% | $5,124-78.3% |