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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 | $21,007 | $106,524-80.3% | $152,301-86.2% | $87,485-76.0% |
| Participation rate | 44.8% | 75.8%-30.9pp | 82.4%-37.6pp | 68.9%-24.1pp |
| Annual return | 24.06% | 26.89%-2.8pp | 80.50%-56.4pp | 26.06%-2.0pp |
| Employer contribution / active EE | $1,379 | $3,371-59.1% | $4,624-70.2% | $2,596-46.9% |
| Participant deferral / active EE | $1,622 | $6,525-75.1% | $8,004-79.7% | $4,274-62.1% |
| Admin fee / account holder | $2,648 | $8,287-68.0% | $14,398-81.6% | $7,775-65.9% |