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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 | $19,581 | $65,582-70.1% | $64,099-69.5% | $71,495-72.6% |
| Participation rate | 47.0% | 73.2%-26.2pp | 72.3%-25.3pp | 67.9%-20.9pp |
| Annual return | 12.03% | 18.96%-6.9pp | 33.70%-21.7pp | 28.85%-16.8pp |
| Employer contribution / active EE | $712 | $2,671-73.4% | $2,748-74.1% | $2,589-72.5% |
| Participant deferral / active EE | $892 | $3,628-75.4% | $3,881-77.0% | $4,291-79.2% |
| Admin fee / account holder | $1,727 | $616+180.3% | $3,070-43.7% | $1,588+8.8% |