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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 | $22,140 | $101,798-78.3% | $165,071-86.6% | $80,935-72.6% |
| Participation rate | 37.9% | 71.8%-33.9pp | 78.6%-40.7pp | 67.7%-29.7pp |
| Annual return | 14.69% | 16.73%-2.0pp | 70.17%-55.5pp | 35.66%-21.0pp |
| Employer contribution / active EE | $940 | $2,954-68.2% | $4,347-78.4% | $2,757-65.9% |
| Participant deferral / active EE | $1,068 | $4,476-76.1% | $6,035-82.3% | $4,299-75.2% |
| Admin fee / account holder | $1,586 | $8,221-80.7% | $12,695-87.5% | $6,924-77.1% |