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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 | $27,958 | $135,905-79.4% | $126,068-77.8% | $198,609-85.9% |
| Participation rate | 54.5% | 85.6%-31.1pp | 84.7%-30.2pp | 82.4%-27.8pp |
| Annual return | 18.25% | 14.07%+4.2pp | 15.01%+3.2pp | 202.70%-184.5pp |
| Employer contribution / active EE | $2,031 | $4,245-52.2% | $3,968-48.8% | $5,055-59.8% |
| Participant deferral / active EE | $1,778 | $8,523-79.1% | $8,214-78.4% | $6,977-74.5% |
| Admin fee / account holder | $430 | $21,036-98.0% | $18,264-97.6% | $19,030-97.7% |