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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 | $18,524 | $67,602-72.6% | $82,312-77.5% | $70,126-73.6% |
| Participation rate | 50.0% | 72.8%-22.8pp | 76.9%-26.9pp | 69.5%-19.5pp |
| Annual return | 16.35% | 21.57%-5.2pp | 25.88%-9.5pp | 73.15%-56.8pp |
| Employer contribution / active EE | $780 | $1,755-55.5% | $2,428-67.9% | $2,343-66.7% |
| Participant deferral / active EE | $1,118 | $2,987-62.6% | $3,706-69.8% | $3,332-66.5% |
| Admin fee / account holder | $594 | $4,512-86.8% | $5,608-89.4% | $4,645-87.2% |