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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 | $21,419 | $95,404-77.5% | $113,397-81.1% | $82,637-74.1% |
| Participation rate | 21.1% | 72.8%-51.8pp | 76.5%-55.4pp | 68.1%-47.0pp |
| Annual return | 16.07% | 19.08%-3.0pp | 23.20%-7.1pp | 53.51%-37.4pp |
| Employer contribution / active EE | $761 | $2,307-67.0% | $2,977-74.4% | $2,552-70.2% |
| Participant deferral / active EE | $1,311 | $4,220-68.9% | $5,076-74.2% | $4,126-68.2% |
| Admin fee / account holder | $1,824 | $9,168-80.1% | $11,957-84.7% | $7,339-75.2% |