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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 | $19,694 | $83,485-76.4% | $125,195-84.3% | $72,976-73.0% |
| Participation rate | 64.3% | 73.3%-9.0pp | 79.8%-15.5pp | 69.5%-5.2pp |
| Annual return | 19.52% | 25.77%-6.3pp | 43.79%-24.3pp | 81.02%-61.5pp |
| Employer contribution / active EE | $817 | $2,346-65.2% | $3,866-78.9% | $2,440-66.5% |
| Participant deferral / active EE | $1,239 | $3,586-65.4% | $4,937-74.9% | $3,608-65.6% |
| Admin fee / account holder | $2,857 | $5,518-48.2% | $9,704-70.6% | $5,124-44.2% |