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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 | $14,982 | $67,602-77.8% | $82,312-81.8% | $70,126-78.6% |
| Participation rate | 48.5% | 72.8%-24.3pp | 76.9%-28.4pp | 69.5%-21.1pp |
| Annual return | 20.75% | 21.57%-0.8pp | 25.88%-5.1pp | 73.15%-52.4pp |
| Employer contribution / active EE | $804 | $1,755-54.2% | $2,428-66.9% | $2,343-65.7% |
| Participant deferral / active EE | $1,110 | $2,987-62.8% | $3,706-70.1% | $3,332-66.7% |
| Admin fee / account holder | $456 | $4,512-89.9% | $5,608-91.9% | $4,645-90.2% |