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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 | $24,301 | $65,246-62.8% | $98,716-75.4% | $67,986-64.3% |
| Participation rate | 23.3% | 51.4%-28.2pp | 69.3%-46.0pp | 57.2%-33.9pp |
| Annual return | 14.21% | 20.58%-6.4pp | 31.81%-17.6pp | 31.67%-17.5pp |
| Employer contribution / active EE | $388 | $1,042-62.8% | $2,279-83.0% | $2,019-80.8% |
| Participant deferral / active EE | $977 | $2,594-62.4% | $4,048-75.9% | $3,358-70.9% |
| Admin fee / account holder | $1,178 | $4,561-74.2% | $8,703-86.5% | $3,203-63.2% |