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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 | $22,872 | $76,107-69.9% | $96,576-76.3% | $71,495-68.0% |
| Participation rate | 33.6% | 74.4%-40.8pp | 76.0%-42.4pp | 67.9%-34.3pp |
| Annual return | 14.95% | 22.81%-7.9pp | 25.87%-10.9pp | 28.85%-13.9pp |
| Employer contribution / active EE | $741 | $2,247-67.0% | $2,965-75.0% | $2,589-71.4% |
| Participant deferral / active EE | $1,274 | $4,218-69.8% | $4,851-73.7% | $4,291-70.3% |
| Admin fee / account holder | $6,183 | $2,708+128.3% | $8,253-25.1% | $1,588+289.4% |