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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 | $13,342 | $83,485-84.0% | $125,192-89.3% | $72,975-81.7% |
| Participation rate | 50.0% | 73.3%-23.3pp | 79.8%-29.8pp | 69.5%-19.5pp |
| Annual return | 21.11% | 25.77%-4.7pp | 43.79%-22.7pp | 81.01%-59.9pp |
| Employer contribution / active EE | $639 | $2,346-72.8% | $3,866-83.5% | $2,440-73.8% |
| Participant deferral / active EE | $1,064 | $3,586-70.3% | $4,937-78.5% | $3,608-70.5% |
| Admin fee / account holder | $320 | $5,518-94.2% | $9,704-96.7% | $5,124-93.8% |