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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 | $15,985 | $75,058-78.7% | $152,301-89.5% | $64,340-75.2% |
| Participation rate | 17.8% | 60.9%-43.1pp | 82.4%-64.7pp | 55.2%-37.5pp |
| Annual return | 22.33% | 29.93%-7.6pp | 80.50%-58.2pp | 24.14%-1.8pp |
| Employer contribution / active EE | $327 | $2,605-87.4% | $4,624-92.9% | $1,862-82.4% |
| Participant deferral / active EE | $585 | $5,041-88.4% | $8,004-92.7% | $2,980-80.4% |
| Admin fee / account holder | $324 | $4,050-92.0% | $14,398-97.8% | $3,703-91.3% |