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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 | $17,977 | $64,909-72.3% | $82,312-78.2% | $62,293-71.1% |
| Participation rate | 21.0% | 74.9%-53.9pp | 76.9%-55.9pp | 69.5%-48.5pp |
| Annual return | 13.67% | 21.18%-7.5pp | 25.88%-12.2pp | 28.90%-15.2pp |
| Employer contribution / active EE | $799 | $1,676-52.3% | $2,428-67.1% | $2,042-60.9% |
| Participant deferral / active EE | $1,204 | $3,103-61.2% | $3,706-67.5% | $3,169-62.0% |
| Admin fee / account holder | $663 | $440+50.8% | $5,608-88.2% | $479+38.3% |