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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 | $31,454 | $91,760-65.7% | $156,181-79.9% | $67,986-53.7% |
| Participation rate | 47.0% | 65.0%-18.0pp | 78.8%-31.8pp | 57.2%-10.2pp |
| Annual return | 19.14% | 18.14%+1.0pp | 64.87%-45.7pp | 31.67%-12.5pp |
| Employer contribution / active EE | $1,059 | $2,419-56.2% | $4,294-75.3% | $2,019-47.5% |
| Participant deferral / active EE | $1,750 | $3,960-55.8% | $6,132-71.5% | $3,358-47.9% |
| Admin fee / account holder | $1,505 | $3,949-61.9% | $14,586-89.7% | $3,203-53.0% |