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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 | $17,622 | $88,672-80.1% | $105,223-83.3% | $82,448-78.6% |
| Participation rate | 38.7% | 67.9%-29.3pp | 75.0%-36.4pp | 68.1%-29.4pp |
| Annual return | 14.38% | 30.86%-16.5pp | 180.65%-166.3pp | 41.64%-27.3pp |
| Employer contribution / active EE | $949 | $3,048-68.9% | $3,689-74.3% | $2,551-62.8% |
| Participant deferral / active EE | $1,664 | $4,036-58.8% | $5,072-67.2% | $4,139-59.8% |
| Admin fee / account holder | $1,096 | $7,146-84.7% | $8,859-87.6% | $7,234-84.9% |