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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 | $16,103 | $76,834-79.0% | $108,359-85.1% | $87,485-81.6% |
| Participation rate | 26.2% | 61.7%-35.5pp | 70.1%-43.9pp | 68.9%-42.7pp |
| Annual return | 16.87% | 19.09%-2.2pp | 36.89%-20.0pp | 26.06%-9.2pp |
| Employer contribution / active EE | $322 | $1,556-79.3% | $2,399-86.6% | $2,596-87.6% |
| Participant deferral / active EE | $531 | $3,100-82.9% | $4,137-87.2% | $4,274-87.6% |
| Admin fee / account holder | $4,331 | $6,537-33.7% | $9,741-55.5% | $7,775-44.3% |