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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 | $17,515 | $108,825-83.9% | $156,181-88.8% | $82,448-78.8% |
| Participation rate | 36.0% | 72.4%-36.4pp | 78.8%-42.8pp | 68.1%-32.1pp |
| Annual return | 21.23% | 20.59%+0.6pp | 64.87%-43.6pp | 41.64%-20.4pp |
| Employer contribution / active EE | $855 | $2,870-70.2% | $4,294-80.1% | $2,551-66.5% |
| Participant deferral / active EE | $1,074 | $4,577-76.5% | $6,132-82.5% | $4,139-74.1% |
| Admin fee / account holder | $1,019 | $9,341-89.1% | $14,586-93.0% | $7,234-85.9% |