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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 | $22,467 | $106,749-79.0% | $145,433-84.6% | $82,448-72.7% |
| Participation rate | 65.3% | 75.6%-10.3pp | 82.1%-16.8pp | 68.1%-2.8pp |
| Annual return | 19.95% | 27.59%-7.6pp | 66.58%-46.6pp | 41.64%-21.7pp |
| Employer contribution / active EE | $1,022 | $3,444-70.3% | $4,554-77.6% | $2,551-59.9% |
| Participant deferral / active EE | $2,235 | $6,519-65.7% | $7,897-71.7% | $4,139-46.0% |
| Admin fee / account holder | $1,552 | $8,390-81.5% | $13,129-88.2% | $7,234-78.5% |