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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 | $12,139 | $63,904-81.0% | $89,340-86.4% | $67,986-82.1% |
| Participation rate | 32.2% | 54.3%-22.1pp | 69.6%-37.4pp | 57.2%-25.0pp |
| Annual return | 28.30% | 18.09%+10.2pp | 20.57%+7.7pp | 31.67%-3.4pp |
| Employer contribution / active EE | $567 | $1,627-65.1% | $2,231-74.6% | $2,019-71.9% |
| Participant deferral / active EE | $934 | $2,691-65.3% | $3,823-75.6% | $3,358-72.2% |
| Admin fee / account holder | $1,177 | $3,315-64.5% | $6,704-82.4% | $3,203-63.3% |