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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 | $19,106 | $95,404-80.0% | $113,397-83.2% | $82,637-76.9% |
| Participation rate | 38.0% | 72.8%-34.8pp | 76.5%-38.5pp | 68.1%-30.1pp |
| Annual return | 15.63% | 19.08%-3.4pp | 23.20%-7.6pp | 53.51%-37.9pp |
| Employer contribution / active EE | $780 | $2,307-66.2% | $2,977-73.8% | $2,552-69.5% |
| Participant deferral / active EE | $1,287 | $4,220-69.5% | $5,076-74.7% | $4,126-68.8% |
| Admin fee / account holder | $2,352 | $9,168-74.3% | $11,957-80.3% | $7,339-67.9% |