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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 | $21,818 | $95,453-77.1% | $112,040-80.5% | $82,448-73.5% |
| Participation rate | 51.9% | 72.8%-20.9pp | 76.5%-24.6pp | 68.1%-16.2pp |
| Annual return | 13.63% | 23.92%-10.3pp | 24.52%-10.9pp | 41.64%-28.0pp |
| Employer contribution / active EE | $726 | $2,318-68.7% | $2,954-75.4% | $2,551-71.5% |
| Participant deferral / active EE | $975 | $4,224-76.9% | $5,098-80.9% | $4,139-76.5% |
| Admin fee / account holder | $4,502 | $9,013-50.1% | $12,098-62.8% | $7,234-37.8% |