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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 | $34,373 | $91,760-62.5% | $156,181-78.0% | $67,986-49.4% |
| Participation rate | 31.4% | 65.0%-33.6pp | 78.8%-47.5pp | 57.2%-25.8pp |
| Annual return | 16.17% | 18.14%-2.0pp | 64.87%-48.7pp | 31.67%-15.5pp |
| Employer contribution / active EE | $683 | $2,419-71.8% | $4,294-84.1% | $2,019-66.2% |
| Participant deferral / active EE | $1,485 | $3,960-62.5% | $6,132-75.8% | $3,358-55.8% |
| Admin fee / account holder | $1,686 | $3,949-57.3% | $14,586-88.4% | $3,203-47.4% |