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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 | $37,543 | $123,793-69.7% | $177,848-78.9% | $79,856-53.0% |
| Participation rate | 36.8% | 84.7%-47.8pp | 87.7%-50.9pp | 69.6%-32.8pp |
| Annual return | 23.74% | 22.82%+0.9pp | 48.33%-24.6pp | 31.71%-8.0pp |
| Employer contribution / active EE | $1,400 | $4,095-65.8% | $5,919-76.3% | $2,471-43.3% |
| Participant deferral / active EE | $2,474 | $5,956-58.5% | $7,714-67.9% | $3,741-33.9% |
| Admin fee / account holder | $366 | $7,243-94.9% | $12,431-97.1% | $5,306-93.1% |