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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 | $26,788 | $91,439-70.7% | $135,974-80.3% | $71,511-62.5% |
| Participation rate | 39.7% | 75.7%-36.0pp | 81.9%-42.3pp | 67.9%-28.3pp |
| Annual return | 28.26% | 29.90%-1.6pp | 68.30%-40.0pp | 28.86%-0.6pp |
| Employer contribution / active EE | $1,665 | $3,705-55.1% | $4,859-65.7% | $2,589-35.7% |
| Participant deferral / active EE | $2,409 | $7,093-66.0% | $7,760-69.0% | $4,291-43.8% |
| Admin fee / account holder | $2,880 | $1,267+127.4% | $10,767-73.2% | $1,588+81.3% |