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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 | $17,530 | $95,453-81.6% | $112,040-84.4% | $82,448-78.7% |
| Participation rate | 29.0% | 72.8%-43.7pp | 76.5%-47.5pp | 68.1%-39.0pp |
| Annual return | 25.50% | 23.92%+1.6pp | 24.52%+1.0pp | 41.64%-16.1pp |
| Employer contribution / active EE | $983 | $2,318-57.6% | $2,954-66.7% | $2,551-61.5% |
| Participant deferral / active EE | $1,395 | $4,224-67.0% | $5,098-72.6% | $4,139-66.3% |
| Admin fee / account holder | $1,014 | $9,013-88.8% | $12,098-91.6% | $7,234-86.0% |