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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 | $16,611 | $77,962-78.7% | $178,540-90.7% | $80,935-79.5% |
| Participation rate | 21.3% | 65.7%-44.4pp | 77.1%-55.8pp | 67.7%-46.4pp |
| Annual return | 13.65% | 18.10%-4.4pp | 27.15%-13.5pp | 35.66%-22.0pp |
| Employer contribution / active EE | $560 | $2,280-75.5% | $3,953-85.8% | $2,757-79.7% |
| Participant deferral / active EE | $749 | $4,404-83.0% | $6,281-88.1% | $4,299-82.6% |
| Admin fee / account holder | $5,312 | $7,156-25.8% | $10,424-49.0% | $6,924-23.3% |