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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 | $17,116 | $64,501-73.5% | $108,753-84.3% | $65,306-73.8% |
| Participation rate | 22.3% | 50.8%-28.5pp | 71.1%-48.8pp | 57.7%-35.4pp |
| Annual return | 15.76% | 21.09%-5.3pp | 37.47%-21.7pp | 21.94%-6.2pp |
| Employer contribution / active EE | $259 | $1,069-75.7% | $2,427-89.3% | $1,967-86.8% |
| Participant deferral / active EE | $368 | $2,401-84.7% | $4,115-91.1% | $2,959-87.6% |
| Admin fee / account holder | $799 | $4,971-83.9% | $10,320-92.3% | $3,480-77.1% |