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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 | $31,358 | $77,569-59.6% | $115,599-72.9% | $64,097-51.1% |
| Participation rate | 28.8% | 60.7%-31.9pp | 74.3%-45.5pp | 55.2%-26.4pp |
| Annual return | 16.32% | 18.52%-2.2pp | 111.10%-94.8pp | 34.64%-18.3pp |
| Employer contribution / active EE | $737 | $1,915-61.5% | $2,955-75.1% | $1,891-61.1% |
| Participant deferral / active EE | $1,246 | $3,327-62.5% | $4,889-74.5% | $3,080-59.5% |
| Admin fee / account holder | $4,075 | $4,470-8.8% | $12,841-68.3% | $3,454+18.0% |