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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 | $20,119 | $106,524-81.1% | $152,301-86.8% | $87,485-77.0% |
| Participation rate | 33.8% | 75.8%-41.9pp | 82.4%-48.6pp | 68.9%-35.1pp |
| Annual return | 21.97% | 26.89%-4.9pp | 80.50%-58.5pp | 26.06%-4.1pp |
| Employer contribution / active EE | $707 | $3,371-79.0% | $4,624-84.7% | $2,596-72.8% |
| Participant deferral / active EE | $1,137 | $6,525-82.6% | $8,004-85.8% | $4,274-73.4% |
| Admin fee / account holder | $654 | $8,287-92.1% | $14,398-95.5% | $7,775-91.6% |