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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 | $146,267-74.0% | $197,124-80.7% | $82,448-53.9% |
| Participation rate | 63.2% | 84.0%-20.9pp | 86.7%-23.6pp | 68.1%-4.9pp |
| Annual return | 34.95% | 29.61%+5.3pp | 44.34%-9.4pp | 41.64%-6.7pp |
| Employer contribution / active EE | $2,168 | $4,723-54.1% | $6,227-65.2% | $2,551-15.0% |
| Participant deferral / active EE | $2,107 | $7,035-70.0% | $9,135-76.9% | $4,139-49.1% |
| Admin fee / account holder | $4,329 | $14,422-70.0% | $16,298-73.4% | $7,234-40.2% |