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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 | $13,049 | $70,475-81.5% | $100,530-87.0% | $79,858-83.7% |
| Participation rate | 32.6% | 73.7%-41.1pp | 79.4%-46.9pp | 69.6%-37.1pp |
| Annual return | 16.84% | 21.90%-5.1pp | 30.89%-14.1pp | 31.72%-14.9pp |
| Employer contribution / active EE | $289 | $2,165-86.6% | $3,418-91.5% | $2,471-88.3% |
| Participant deferral / active EE | $836 | $5,181-83.9% | $6,271-86.7% | $3,740-77.6% |
| Admin fee / account holder | $581 | $4,478-87.0% | $8,083-92.8% | $5,306-89.0% |