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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 | $114,712-84.7% | $173,730-89.9% | $87,485-80.0% |
| Participation rate | 36.0% | 73.0%-37.0pp | 79.6%-43.6pp | 68.9%-32.9pp |
| Annual return | 21.23% | 20.18%+1.0pp | 19.96%+1.3pp | 26.06%-4.8pp |
| Employer contribution / active EE | $855 | $2,904-70.6% | $4,577-81.3% | $2,596-67.1% |
| Participant deferral / active EE | $1,074 | $4,642-76.9% | $6,326-83.0% | $4,274-74.9% |
| Admin fee / account holder | $1,019 | $10,210-90.0% | $17,523-94.2% | $7,775-86.9% |