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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 | $23,703 | $63,314-62.6% | $91,004-74.0% | $62,293-61.9% |
| Participation rate | 27.8% | 73.3%-45.5pp | 75.6%-47.8pp | 69.5%-41.7pp |
| Annual return | 23.71% | 21.00%+2.7pp | 4.60%+19.1pp | 28.90%-5.2pp |
| Employer contribution / active EE | $663 | $1,807-63.3% | $2,456-73.0% | $2,042-67.5% |
| Participant deferral / active EE | $1,316 | $2,944-55.3% | $3,548-62.9% | $3,169-58.5% |
| Admin fee / account holder | $562 | $468+20.3% | $5,417-89.6% | $479+17.3% |