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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 | $20,378 | $72,492-71.9% | $87,102-76.6% | $72,983-72.1% |
| Participation rate | 29.6% | 72.8%-43.2pp | 76.9%-47.2pp | 69.5%-39.9pp |
| Annual return | 23.39% | 24.46%-1.1pp | 28.19%-4.8pp | 81.01%-57.6pp |
| Employer contribution / active EE | $900 | $1,894-52.5% | $2,521-64.3% | $2,440-63.1% |
| Participant deferral / active EE | $1,049 | $3,270-67.9% | $4,048-74.1% | $3,608-70.9% |
| Admin fee / account holder | $6,481 | $5,055+28.2% | $7,491-13.5% | $5,124+26.5% |