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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 | $19,721 | $79,955-75.3% | $98,450-80.0% | $75,181-73.8% |
| Participation rate | 25.9% | 70.4%-44.4pp | 75.2%-49.2pp | 67.2%-41.3pp |
| Annual return | 29.63% | 19.75%+9.9pp | 21.16%+8.5pp | 160.69%-131.1pp |
| Employer contribution / active EE | $1,309 | $2,264-42.2% | $3,049-57.1% | $2,671-51.0% |
| Participant deferral / active EE | $1,129 | $3,752-69.9% | $4,739-76.2% | $4,126-72.6% |
| Admin fee / account holder | $1,758 | $6,841-74.3% | $8,961-80.4% | $5,650-68.9% |