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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 | $20,904 | $80,992-74.2% | $96,534-78.3% | $75,173-72.2% |
| Participation rate | 45.2% | 71.8%-26.6pp | 76.0%-30.8pp | 67.2%-22.0pp |
| Annual return | 16.94% | 27.05%-10.1pp | 25.88%-8.9pp | 160.72%-143.8pp |
| Employer contribution / active EE | $833 | $2,283-63.5% | $2,965-71.9% | $2,671-68.8% |
| Participant deferral / active EE | $1,621 | $3,929-58.8% | $4,851-66.6% | $4,126-60.7% |
| Admin fee / account holder | $450 | $6,717-93.3% | $8,253-94.5% | $5,651-92.0% |