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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 | $14,240 | $56,054-74.6% | $171,082-91.7% | $62,881-77.4% |
| Participation rate | 33.3% | 62.9%-29.5pp | 76.7%-43.4pp | 69.3%-36.0pp |
| Annual return | 8.07% | 22.52%-14.5pp | 32.56%-24.5pp | 20.14%-12.1pp |
| Employer contribution / active EE | $328 | $1,731-81.0% | $4,002-91.8% | $2,281-85.6% |
| Participant deferral / active EE | $893 | $3,158-71.7% | $4,797-81.4% | $3,203-72.1% |
| Admin fee / account holder | $1,377 | $3,647-62.2% | $8,520-83.8% | $4,296-68.0% |