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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 | $19,030 | $72,269-73.7% | $101,271-81.2% | $79,852-76.2% |
| Participation rate | 46.2% | 68.5%-22.3pp | 75.8%-29.7pp | 69.6%-23.5pp |
| Annual return | 14.05% | 22.29%-8.2pp | 46.48%-32.4pp | 31.72%-17.7pp |
| Employer contribution / active EE | $845 | $2,692-68.6% | $3,660-76.9% | $2,471-65.8% |
| Participant deferral / active EE | $1,125 | $3,282-65.7% | $4,371-74.3% | $3,740-69.9% |
| Admin fee / account holder | $999 | $4,401-77.3% | $5,948-83.2% | $5,306-81.2% |