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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 | $64,010-62.0% | $108,359-77.6% | $64,340-62.2% |
| Participation rate | 23.3% | 49.4%-26.1pp | 70.1%-46.8pp | 55.2%-32.0pp |
| Annual return | 14.21% | 19.74%-5.5pp | 36.89%-22.7pp | 24.14%-9.9pp |
| Employer contribution / active EE | $388 | $1,029-62.3% | $2,399-83.8% | $1,862-79.2% |
| Participant deferral / active EE | $977 | $2,395-59.2% | $4,137-76.4% | $2,980-67.2% |
| Admin fee / account holder | $1,178 | $4,885-75.9% | $9,741-87.9% | $3,703-68.2% |