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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 | $12,198 | $67,606-82.0% | $82,313-85.2% | $70,131-82.6% |
| Participation rate | 29.0% | 72.8%-43.7pp | 76.9%-47.9pp | 69.5%-40.5pp |
| Annual return | 19.52% | 21.57%-2.0pp | 25.88%-6.4pp | 73.14%-53.6pp |
| Employer contribution / active EE | $483 | $1,755-72.5% | $2,428-80.1% | $2,342-79.4% |
| Participant deferral / active EE | $732 | $2,987-75.5% | $3,706-80.3% | $3,332-78.0% |
| Admin fee / account holder | $2,792 | $4,512-38.1% | $5,608-50.2% | $4,645-39.9% |