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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 | $21,022 | $108,825-80.7% | $156,181-86.5% | $82,448-74.5% |
| Participation rate | 48.0% | 72.4%-24.4pp | 78.8%-30.8pp | 68.1%-20.1pp |
| Annual return | 19.09% | 20.59%-1.5pp | 64.87%-45.8pp | 41.64%-22.5pp |
| Employer contribution / active EE | $923 | $2,870-67.8% | $4,294-78.5% | $2,551-63.8% |
| Participant deferral / active EE | $1,421 | $4,577-68.9% | $6,132-76.8% | $4,139-65.7% |
| Admin fee / account holder | $1,805 | $9,341-80.7% | $14,586-87.6% | $7,234-75.0% |