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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 | $17,013 | $58,493-70.9% | $84,021-79.8% | $72,975-76.7% |
| Participation rate | 45.5% | 61.2%-15.8pp | 69.0%-23.6pp | 69.5%-24.0pp |
| Annual return | 17.16% | 28.93%-11.8pp | 71.32%-54.2pp | 81.01%-63.9pp |
| Employer contribution / active EE | $641 | $1,163-44.9% | $1,984-67.7% | $2,440-73.7% |
| Participant deferral / active EE | $782 | $2,394-67.3% | $3,239-75.8% | $3,608-78.3% |
| Admin fee / account holder | $683 | $4,569-85.0% | $6,102-88.8% | $5,124-86.7% |