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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 | $22,564 | $106,864-78.9% | $147,318-84.7% | $82,637-72.7% |
| Participation rate | 56.3% | 75.5%-19.3pp | 82.1%-25.8pp | 68.1%-11.8pp |
| Annual return | 17.64% | 27.49%-9.9pp | 70.43%-52.8pp | 53.51%-35.9pp |
| Employer contribution / active EE | $721 | $3,417-78.9% | $4,593-84.3% | $2,552-71.7% |
| Participant deferral / active EE | $1,163 | $6,496-82.1% | $7,906-85.3% | $4,126-71.8% |
| Admin fee / account holder | $390 | $8,415-95.4% | $13,708-97.2% | $7,339-94.7% |