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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 | $24,714 | $80,985-69.5% | $96,576-74.4% | $75,181-67.1% |
| Participation rate | 26.5% | 71.8%-45.3pp | 76.0%-49.4pp | 67.2%-40.7pp |
| Annual return | 21.01% | 27.05%-6.0pp | 25.87%-4.9pp | 160.69%-139.7pp |
| Employer contribution / active EE | $847 | $2,282-62.9% | $2,965-71.4% | $2,671-68.3% |
| Participant deferral / active EE | $1,704 | $3,929-56.6% | $4,851-64.9% | $4,126-58.7% |
| Admin fee / account holder | $388 | $6,719-94.2% | $8,253-95.3% | $5,650-93.1% |