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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 | $20,184 | $78,520-74.3% | $96,576-79.1% | $82,448-75.5% |
| Participation rate | 47.5% | 77.7%-30.2pp | 81.4%-33.9pp | 68.1%-20.6pp |
| Annual return | 15.89% | 41.30%-25.4pp | 38.47%-22.6pp | 41.64%-25.8pp |
| Employer contribution / active EE | $601 | $2,630-77.1% | $3,553-83.1% | $2,551-76.4% |
| Participant deferral / active EE | $1,984 | $6,754-70.6% | $7,956-75.1% | $4,139-52.1% |
| Admin fee / account holder | $2,009 | $13,455-85.1% | $11,381-82.3% | $7,234-72.2% |