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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 | $18,216 | $108,825-83.3% | $156,181-88.3% | $82,448-77.9% |
| Participation rate | 50.0% | 72.4%-22.4pp | 78.8%-28.8pp | 68.1%-18.1pp |
| Annual return | 17.10% | 20.59%-3.5pp | 64.87%-47.8pp | 41.64%-24.5pp |
| Employer contribution / active EE | $1,587 | $2,870-44.7% | $4,294-63.0% | $2,551-37.8% |
| Participant deferral / active EE | $1,817 | $4,577-60.3% | $6,132-70.4% | $4,139-56.1% |
| Admin fee / account holder | $5,374 | $9,341-42.5% | $14,586-63.2% | $7,234-25.7% |