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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 | $37,968 | $145,431-73.9% | $211,142-82.0% | $87,485-56.6% |
| Participation rate | 63.2% | 84.7%-21.6pp | 87.3%-24.1pp | 68.9%-5.8pp |
| Annual return | 34.95% | 27.21%+7.7pp | 46.84%-11.9pp | 26.06%+8.9pp |
| Employer contribution / active EE | $2,168 | $4,662-53.5% | $6,442-66.3% | $2,596-16.5% |
| Participant deferral / active EE | $2,107 | $6,859-69.3% | $9,284-77.3% | $4,274-50.7% |
| Admin fee / account holder | $4,329 | $17,052-74.6% | $19,076-77.3% | $7,775-44.3% |