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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 | $20,218 | $72,269-72.0% | $101,271-80.0% | $79,852-74.7% |
| Participation rate | 23.5% | 68.5%-44.9pp | 75.8%-52.3pp | 69.6%-46.1pp |
| Annual return | 34.24% | 22.29%+11.9pp | 46.48%-12.2pp | 31.72%+2.5pp |
| Employer contribution / active EE | $1,284 | $2,692-52.3% | $3,660-64.9% | $2,471-48.0% |
| Participant deferral / active EE | $59 | $3,282-98.2% | $4,371-98.6% | $3,740-98.4% |
| Admin fee / account holder | $3,263 | $4,401-25.9% | $5,948-45.1% | $5,306-38.5% |