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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 | $106,749-81.2% | $145,433-86.2% | $82,448-75.6% |
| Participation rate | 33.8% | 75.6%-41.8pp | 82.1%-48.3pp | 68.1%-34.3pp |
| Annual return | 21.97% | 27.59%-5.6pp | 66.58%-44.6pp | 41.64%-19.7pp |
| Employer contribution / active EE | $707 | $3,444-79.5% | $4,554-84.5% | $2,551-72.3% |
| Participant deferral / active EE | $1,137 | $6,519-82.6% | $7,897-85.6% | $4,139-72.5% |
| Admin fee / account holder | $654 | $8,390-92.2% | $13,129-95.0% | $7,234-91.0% |