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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 | $24,064 | $78,705-69.4% | $117,860-79.6% | $70,124-65.7% |
| Participation rate | 20.0% | 73.2%-53.2pp | 79.7%-59.7pp | 69.5%-49.5pp |
| Annual return | 18.64% | 23.30%-4.7pp | 335.10%-316.5pp | 73.14%-54.5pp |
| Employer contribution / active EE | $766 | $2,223-65.6% | $3,786-79.8% | $2,342-67.3% |
| Participant deferral / active EE | $919 | $3,297-72.1% | $4,482-79.5% | $3,332-72.4% |
| Admin fee / account holder | $308 | $5,065-93.9% | $8,021-96.2% | $4,645-93.4% |