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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 | $17,933 | $76,834-76.7% | $108,359-83.5% | $87,485-79.5% |
| Participation rate | 18.8% | 61.7%-43.0pp | 70.1%-51.4pp | 68.9%-50.2pp |
| Annual return | 17.97% | 19.09%-1.1pp | 36.89%-18.9pp | 26.06%-8.1pp |
| Employer contribution / active EE | $330 | $1,556-78.8% | $2,399-86.3% | $2,596-87.3% |
| Participant deferral / active EE | $1,116 | $3,100-64.0% | $4,137-73.0% | $4,274-73.9% |
| Admin fee / account holder | $1,488 | $6,537-77.2% | $9,741-84.7% | $7,775-80.9% |