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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 | $20,692 | $81,487-74.6% | $102,412-79.8% | $80,935-74.4% |
| Participation rate | 53.6% | 66.8%-13.3pp | 74.5%-20.9pp | 67.7%-14.1pp |
| Annual return | 12.91% | 25.60%-12.7pp | 24.94%-12.0pp | 35.66%-22.8pp |
| Employer contribution / active EE | $2,668 | $3,103-14.0% | $3,870-31.0% | $2,757-3.2% |
| Participant deferral / active EE | $549 | $3,871-85.8% | $5,060-89.1% | $4,299-87.2% |
| Admin fee / account holder | $677 | $6,717-89.9% | $8,388-91.9% | $6,924-90.2% |