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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 | $17,555 | $106,524-83.5% | $152,301-88.5% | $87,485-79.9% |
| Participation rate | 23.9% | 75.8%-51.8pp | 82.4%-58.5pp | 68.9%-45.0pp |
| Annual return | 22.54% | 26.89%-4.4pp | 80.50%-58.0pp | 26.06%-3.5pp |
| Employer contribution / active EE | $571 | $3,371-83.1% | $4,624-87.7% | $2,596-78.0% |
| Participant deferral / active EE | $1,068 | $6,525-83.6% | $8,004-86.7% | $4,274-75.0% |
| Admin fee / account holder | $1,261 | $8,287-84.8% | $14,398-91.2% | $7,775-83.8% |