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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 | $14,267 | $72,273-80.3% | $101,275-85.9% | $79,856-82.1% |
| Participation rate | 30.2% | 68.5%-38.2pp | 75.8%-45.6pp | 69.6%-39.4pp |
| Annual return | 19.51% | 22.30%-2.8pp | 46.48%-27.0pp | 31.71%-12.2pp |
| Employer contribution / active EE | $740 | $2,691-72.5% | $3,660-79.8% | $2,471-70.1% |
| Participant deferral / active EE | $1,045 | $3,282-68.1% | $4,371-76.1% | $3,741-72.1% |
| Admin fee / account holder | $667 | $4,401-84.8% | $5,948-88.8% | $5,306-87.4% |