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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 | $21,055 | $106,749-80.3% | $145,433-85.5% | $82,448-74.5% |
| Participation rate | 35.0% | 75.6%-40.6pp | 82.1%-47.1pp | 68.1%-33.1pp |
| Annual return | 21.01% | 27.59%-6.6pp | 66.58%-45.6pp | 41.64%-20.6pp |
| Employer contribution / active EE | $732 | $3,444-78.7% | $4,554-83.9% | $2,551-71.3% |
| Participant deferral / active EE | $2,294 | $6,519-64.8% | $7,897-71.0% | $4,139-44.6% |
| Admin fee / account holder | $803 | $8,390-90.4% | $13,129-93.9% | $7,234-88.9% |