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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 | $17,810 | $101,798-82.5% | $165,071-89.2% | $80,935-78.0% |
| Participation rate | 17.9% | 71.8%-54.0pp | 78.6%-60.8pp | 67.7%-49.8pp |
| Annual return | 13.87% | 16.73%-2.9pp | 70.17%-56.3pp | 35.66%-21.8pp |
| Employer contribution / active EE | $869 | $2,954-70.6% | $4,347-80.0% | $2,757-68.5% |
| Participant deferral / active EE | $1,187 | $4,476-73.5% | $6,035-80.3% | $4,299-72.4% |
| Admin fee / account holder | $7,905 | $8,221-3.9% | $12,695-37.7% | $6,924+14.2% |