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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 | $19,223 | $72,486-73.5% | $87,103-77.9% | $72,976-73.7% |
| Participation rate | 51.6% | 72.8%-21.2pp | 76.9%-25.3pp | 69.5%-17.9pp |
| Annual return | 20.27% | 24.46%-4.2pp | 28.19%-7.9pp | 81.02%-60.7pp |
| Employer contribution / active EE | $696 | $1,894-63.3% | $2,521-72.4% | $2,440-71.5% |
| Participant deferral / active EE | $1,309 | $3,270-60.0% | $4,049-67.7% | $3,608-63.7% |
| Admin fee / account holder | $1,431 | $5,055-71.7% | $7,491-80.9% | $5,124-72.1% |