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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 | $19,759 | $54,541-63.8% | $78,778-74.9% | $70,131-71.8% |
| Participation rate | 37.3% | 60.8%-23.5pp | 69.2%-31.9pp | 69.5%-32.3pp |
| Annual return | 13.00% | 21.07%-8.1pp | 35.62%-22.6pp | 73.14%-60.1pp |
| Employer contribution / active EE | $370 | $1,089-66.0% | $1,986-81.4% | $2,342-84.2% |
| Participant deferral / active EE | $554 | $2,210-74.9% | $2,958-81.3% | $3,332-83.4% |
| Admin fee / account holder | $2,240 | $3,709-39.6% | $5,134-56.4% | $4,645-51.8% |