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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 | $18,074 | $86,940-79.2% | $102,434-82.4% | $80,935-77.7% |
| Participation rate | 30.0% | 72.4%-42.4pp | 76.5%-46.5pp | 67.7%-37.7pp |
| Annual return | 12.61% | 18.89%-6.3pp | 29.46%-16.8pp | 35.66%-23.0pp |
| Employer contribution / active EE | $925 | $2,370-61.0% | $3,023-69.4% | $2,757-66.5% |
| Participant deferral / active EE | $1,514 | $4,121-63.3% | $5,055-70.0% | $4,299-64.8% |
| Admin fee / account holder | $2,887 | $8,047-64.1% | $9,462-69.5% | $6,924-58.3% |