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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 | $14,233 | $67,602-78.9% | $82,312-82.7% | $70,126-79.7% |
| Participation rate | 34.5% | 72.8%-38.3pp | 76.9%-42.4pp | 69.5%-35.1pp |
| Annual return | 19.96% | 21.57%-1.6pp | 25.88%-5.9pp | 73.15%-53.2pp |
| Employer contribution / active EE | $682 | $1,755-61.1% | $2,428-71.9% | $2,343-70.9% |
| Participant deferral / active EE | $1,067 | $2,987-64.3% | $3,706-71.2% | $3,332-68.0% |
| Admin fee / account holder | $1,066 | $4,512-76.4% | $5,608-81.0% | $4,645-77.0% |