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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 | $19,714 | $83,485-76.4% | $125,195-84.3% | $72,976-73.0% |
| Participation rate | 44.8% | 73.3%-28.5pp | 79.8%-35.0pp | 69.5%-24.7pp |
| Annual return | 25.70% | 25.77%-0.1pp | 43.79%-18.1pp | 81.02%-55.3pp |
| Employer contribution / active EE | $1,021 | $2,346-56.5% | $3,866-73.6% | $2,440-58.2% |
| Participant deferral / active EE | $1,349 | $3,586-62.4% | $4,937-72.7% | $3,608-62.6% |
| Admin fee / account holder | $312 | $5,518-94.3% | $9,704-96.8% | $5,124-93.9% |