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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 | $20,511 | $72,273-71.6% | $101,275-79.7% | $79,856-74.3% |
| Participation rate | 42.4% | 68.5%-26.0pp | 75.8%-33.4pp | 69.6%-27.2pp |
| Annual return | 18.86% | 22.30%-3.4pp | 46.48%-27.6pp | 31.71%-12.9pp |
| Employer contribution / active EE | $1,619 | $2,691-39.8% | $3,660-55.8% | $2,471-34.5% |
| Participant deferral / active EE | $905 | $3,282-72.4% | $4,371-79.3% | $3,741-75.8% |
| Admin fee / account holder | $3,411 | $4,401-22.5% | $5,948-42.7% | $5,306-35.7% |