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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 | $32,381 | $114,712-71.8% | $173,730-81.4% | $87,485-63.0% |
| Participation rate | 56.8% | 73.0%-16.2pp | 79.6%-22.8pp | 68.9%-12.2pp |
| Annual return | 16.46% | 20.18%-3.7pp | 19.96%-3.5pp | 26.06%-9.6pp |
| Employer contribution / active EE | $931 | $2,904-67.9% | $4,577-79.7% | $2,596-64.1% |
| Participant deferral / active EE | $2,013 | $4,642-56.6% | $6,326-68.2% | $4,274-52.9% |
| Admin fee / account holder | $3,251 | $10,210-68.2% | $17,523-81.4% | $7,775-58.2% |