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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 | $39,321 | $104,098-62.2% | $140,514-72.0% | $94,015-58.2% |
| Participation rate | 47.4% | 73.7%-26.3pp | 77.8%-30.4pp | 70.8%-23.5pp |
| Annual return | 12.91% | 15.14%-2.2pp | 14.36%-1.4pp | 17.84%-4.9pp |
| Employer contribution / active EE | $626 | $2,388-73.8% | $3,378-81.5% | $2,790-77.6% |
| Participant deferral / active EE | $1,579 | $4,033-60.9% | $4,919-67.9% | $4,249-62.9% |
| Admin fee / account holder | $2,785 | $10,439-73.3% | $13,697-79.7% | $8,951-68.9% |