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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 | $24,748 | $87,465-71.7% | $122,979-79.9% | $65,306-62.1% |
| Participation rate | 53.8% | 66.0%-12.2pp | 77.2%-23.4pp | 57.7%-3.9pp |
| Annual return | 17.19% | 19.76%-2.6pp | 20.12%-2.9pp | 21.94%-4.7pp |
| Employer contribution / active EE | $672 | $2,156-68.8% | $3,062-78.0% | $1,967-65.8% |
| Participant deferral / active EE | $949 | $3,705-74.4% | $5,003-81.0% | $2,959-67.9% |
| Admin fee / account holder | $1,808 | $5,100-64.5% | $12,864-85.9% | $3,480-48.0% |