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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 | $114,712-81.7% | $173,730-87.9% | $87,485-76.0% |
| Participation rate | 48.0% | 73.0%-25.0pp | 79.6%-31.6pp | 68.9%-20.9pp |
| Annual return | 19.09% | 20.18%-1.1pp | 19.96%-0.9pp | 26.06%-7.0pp |
| Employer contribution / active EE | $923 | $2,904-68.2% | $4,577-79.8% | $2,596-64.4% |
| Participant deferral / active EE | $1,421 | $4,642-69.4% | $6,326-77.5% | $4,274-66.7% |
| Admin fee / account holder | $1,805 | $10,210-82.3% | $17,523-89.7% | $7,775-76.8% |