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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 | $18,424 | $76,112-75.8% | $96,534-80.9% | $71,511-74.2% |
| Participation rate | 29.8% | 74.4%-44.6pp | 76.0%-46.2pp | 67.9%-38.1pp |
| Annual return | 16.61% | 22.81%-6.2pp | 25.88%-9.3pp | 28.86%-12.2pp |
| Employer contribution / active EE | $741 | $2,248-67.0% | $2,965-75.0% | $2,589-71.4% |
| Participant deferral / active EE | $1,202 | $4,217-71.5% | $4,851-75.2% | $4,291-72.0% |
| Admin fee / account holder | $1,755 | $2,708-35.2% | $8,253-78.7% | $1,588+10.5% |