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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 | $20,114 | $88,672-77.3% | $105,223-80.9% | $82,448-75.6% |
| Participation rate | 29.0% | 67.9%-38.9pp | 75.0%-46.0pp | 68.1%-39.0pp |
| Annual return | 16.95% | 30.86%-13.9pp | 180.65%-163.7pp | 41.64%-24.7pp |
| Employer contribution / active EE | $834 | $3,048-72.6% | $3,689-77.4% | $2,551-67.3% |
| Participant deferral / active EE | $1,288 | $4,036-68.1% | $5,072-74.6% | $4,139-68.9% |
| Admin fee / account holder | $7,528 | $7,146+5.3% | $8,859-15.0% | $7,234+4.1% |