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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 | $21,723 | $101,798-78.7% | $165,071-86.8% | $80,935-73.2% |
| Participation rate | 37.5% | 71.8%-34.3pp | 78.6%-41.1pp | 67.7%-30.2pp |
| Annual return | 12.43% | 16.73%-4.3pp | 70.17%-57.7pp | 35.66%-23.2pp |
| Employer contribution / active EE | $845 | $2,954-71.4% | $4,347-80.6% | $2,757-69.3% |
| Participant deferral / active EE | $948 | $4,476-78.8% | $6,035-84.3% | $4,299-78.0% |
| Admin fee / account holder | $1,902 | $8,221-76.9% | $12,695-85.0% | $6,924-72.5% |