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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 | $16,214 | $93,598-82.7% | $135,974-88.1% | $75,173-78.4% |
| Participation rate | 29.8% | 75.2%-45.4pp | 81.9%-52.1pp | 67.2%-37.4pp |
| Annual return | 33.26% | 30.89%+2.4pp | 68.30%-35.0pp | 160.72%-127.5pp |
| Employer contribution / active EE | $1,230 | $3,538-65.2% | $4,859-74.7% | $2,671-54.0% |
| Participant deferral / active EE | $1,363 | $6,405-78.7% | $7,760-82.4% | $4,126-67.0% |
| Admin fee / account holder | $1,466 | $6,978-79.0% | $10,767-86.4% | $5,651-74.1% |