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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 | $74,535-75.9% | $100,712-82.2% | $82,637-78.3% |
| Participation rate | 18.8% | 61.2%-42.4pp | 69.3%-50.5pp | 68.1%-49.3pp |
| Annual return | 17.97% | 18.92%-1.0pp | 33.27%-15.3pp | 53.51%-35.5pp |
| Employer contribution / active EE | $330 | $1,503-78.1% | $2,313-85.7% | $2,552-87.1% |
| Participant deferral / active EE | $1,116 | $3,074-63.7% | $4,085-72.7% | $4,126-73.0% |
| Admin fee / account holder | $1,488 | $6,576-77.4% | $9,256-83.9% | $7,339-79.7% |