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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 | $12,845 | $72,114-82.2% | $108,745-88.2% | $62,881-79.6% |
| Participation rate | 20.8% | 74.6%-53.8pp | 77.7%-56.8pp | 69.3%-48.5pp |
| Annual return | 10.21% | 13.41%-3.2pp | 46.22%-36.0pp | 20.14%-9.9pp |
| Employer contribution / active EE | $619 | $2,694-77.0% | $3,323-81.4% | $2,281-72.9% |
| Participant deferral / active EE | $1,125 | $4,044-72.2% | $5,121-78.0% | $3,203-64.9% |
| Admin fee / account holder | $334 | $4,608-92.7% | $6,144-94.6% | $4,296-92.2% |