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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 | $20,376 | $76,834-73.5% | $108,359-81.2% | $87,485-76.7% |
| Participation rate | 40.4% | 61.7%-21.3pp | 70.1%-29.7pp | 68.9%-28.5pp |
| Annual return | 17.52% | 19.09%-1.6pp | 36.89%-19.4pp | 26.06%-8.5pp |
| Employer contribution / active EE | $704 | $1,556-54.8% | $2,399-70.7% | $2,596-72.9% |
| Participant deferral / active EE | $1,224 | $3,100-60.5% | $4,137-70.4% | $4,274-71.4% |
| Admin fee / account holder | $1,480 | $6,537-77.4% | $9,741-84.8% | $7,775-81.0% |