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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 | $19,706 | $67,411-70.8% | $91,004-78.3% | $70,126-71.9% |
| Participation rate | 26.1% | 71.4%-45.3pp | 75.6%-49.5pp | 69.5%-43.5pp |
| Annual return | 15.76% | -40.16%+55.9pp | 4.60%+11.2pp | 73.15%-57.4pp |
| Employer contribution / active EE | $498 | $1,786-72.1% | $2,456-79.7% | $2,343-78.7% |
| Participant deferral / active EE | $1,121 | $2,823-60.3% | $3,548-68.4% | $3,332-66.4% |
| Admin fee / account holder | $420 | $4,236-90.1% | $5,417-92.2% | $4,645-91.0% |