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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 | $18,674 | $88,672-78.9% | $105,223-82.3% | $82,448-77.4% |
| Participation rate | 36.0% | 67.9%-31.9pp | 75.0%-39.0pp | 68.1%-32.1pp |
| Annual return | 17.52% | 30.86%-13.3pp | 180.65%-163.1pp | 41.64%-24.1pp |
| Employer contribution / active EE | $840 | $3,048-72.4% | $3,689-77.2% | $2,551-67.1% |
| Participant deferral / active EE | $1,545 | $4,036-61.7% | $5,072-69.5% | $4,139-62.7% |
| Admin fee / account holder | $844 | $7,146-88.2% | $8,859-90.5% | $7,234-88.3% |