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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 | $22,413 | $95,404-76.5% | $113,397-80.2% | $82,637-72.9% |
| Participation rate | 37.2% | 72.8%-35.6pp | 76.5%-39.3pp | 68.1%-30.9pp |
| Annual return | 14.24% | 19.08%-4.8pp | 23.20%-9.0pp | 53.51%-39.3pp |
| Employer contribution / active EE | $796 | $2,307-65.5% | $2,977-73.3% | $2,552-68.8% |
| Participant deferral / active EE | $1,579 | $4,220-62.6% | $5,076-68.9% | $4,126-61.7% |
| Admin fee / account holder | $2,508 | $9,168-72.6% | $11,957-79.0% | $7,339-65.8% |