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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 | $18,694 | $95,453-80.4% | $112,040-83.3% | $82,448-77.3% |
| Participation rate | 40.7% | 72.8%-32.1pp | 76.5%-35.8pp | 68.1%-27.4pp |
| Annual return | 25.17% | 23.92%+1.2pp | 24.52%+0.6pp | 41.64%-16.5pp |
| Employer contribution / active EE | $957 | $2,318-58.7% | $2,954-67.6% | $2,551-62.5% |
| Participant deferral / active EE | $1,696 | $4,224-59.8% | $5,098-66.7% | $4,139-59.0% |
| Admin fee / account holder | $1,955 | $9,013-78.3% | $12,098-83.8% | $7,234-73.0% |