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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 | $19,445 | $76,551-74.6% | $123,894-84.3% | $62,881-69.1% |
| Participation rate | 68.0% | 73.0%-5.0pp | 81.4%-13.4pp | 69.3%-1.3pp |
| Annual return | 7.05% | 18.68%-11.6pp | 47.52%-40.5pp | 20.14%-13.1pp |
| Employer contribution / active EE | $925 | $2,882-67.9% | $4,617-80.0% | $2,281-59.4% |
| Participant deferral / active EE | $1,520 | $4,840-68.6% | $5,984-74.6% | $3,203-52.5% |
| Admin fee / account holder | $1,553 | $4,826-67.8% | $8,357-81.4% | $4,296-63.9% |