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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 | $24,870 | $95,453-73.9% | $112,040-77.8% | $82,448-69.8% |
| Participation rate | 69.4% | 72.8%-3.4pp | 76.5%-7.1pp | 68.1%+1.3pp |
| Annual return | 17.89% | 23.92%-6.0pp | 24.52%-6.6pp | 41.64%-23.8pp |
| Employer contribution / active EE | $877 | $2,318-62.1% | $2,954-70.3% | $2,551-65.6% |
| Participant deferral / active EE | $1,527 | $4,224-63.8% | $5,098-70.0% | $4,139-63.1% |
| Admin fee / account holder | $13,250 | $9,013+47.0% | $12,098+9.5% | $7,234+83.1% |