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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 | $19,780 | $95,453-79.3% | $112,040-82.3% | $82,448-76.0% |
| Participation rate | 56.7% | 72.8%-16.0pp | 76.5%-19.8pp | 68.1%-11.4pp |
| Annual return | 15.45% | 23.92%-8.5pp | 24.52%-9.1pp | 41.64%-26.2pp |
| Employer contribution / active EE | $732 | $2,318-68.4% | $2,954-75.2% | $2,551-71.3% |
| Participant deferral / active EE | $1,730 | $4,224-59.0% | $5,098-66.1% | $4,139-58.2% |
| Admin fee / account holder | $2,111 | $9,013-76.6% | $12,098-82.6% | $7,234-70.8% |