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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 | $23,504 | $67,602-65.2% | $82,312-71.4% | $70,126-66.5% |
| Participation rate | 39.5% | 72.8%-33.3pp | 76.9%-37.4pp | 69.5%-30.0pp |
| Annual return | 20.58% | 21.57%-1.0pp | 25.88%-5.3pp | 73.15%-52.6pp |
| Employer contribution / active EE | $780 | $1,755-55.6% | $2,428-67.9% | $2,343-66.7% |
| Participant deferral / active EE | $1,163 | $2,987-61.1% | $3,706-68.6% | $3,332-65.1% |
| Admin fee / account holder | $858 | $4,512-81.0% | $5,608-84.7% | $4,645-81.5% |