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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 | $17,815 | $87,834-79.7% | $133,975-86.7% | $62,881-71.7% |
| Participation rate | 27.3% | 83.4%-56.1pp | 87.1%-59.8pp | 69.3%-42.0pp |
| Annual return | 7.93% | 12.05%-4.1pp | 29.29%-21.4pp | 20.14%-12.2pp |
| Employer contribution / active EE | $1,064 | $3,482-69.4% | $5,211-79.6% | $2,281-53.3% |
| Participant deferral / active EE | $711 | $4,812-85.2% | $6,282-88.7% | $3,203-77.8% |
| Admin fee / account holder | $645 | $5,372-88.0% | $9,324-93.1% | $4,296-85.0% |