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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 | $18,863 | $86,940-78.3% | $102,434-81.6% | $80,935-76.7% |
| Participation rate | 52.1% | 72.4%-20.3pp | 76.5%-24.4pp | 67.7%-15.6pp |
| Annual return | 13.48% | 18.89%-5.4pp | 29.46%-16.0pp | 35.66%-22.2pp |
| Employer contribution / active EE | $744 | $2,370-68.6% | $3,023-75.4% | $2,757-73.0% |
| Participant deferral / active EE | $1,566 | $4,121-62.0% | $5,055-69.0% | $4,299-63.6% |
| Admin fee / account holder | $1,160 | $8,047-85.6% | $9,462-87.7% | $6,924-83.3% |