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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 | $34,604 | $97,550-64.5% | $120,344-71.2% | $87,485-60.4% |
| Participation rate | 16.2% | 72.8%-56.6pp | 76.7%-60.5pp | 68.9%-52.7pp |
| Annual return | 16.92% | 18.41%-1.5pp | 20.30%-3.4pp | 26.06%-9.1pp |
| Employer contribution / active EE | $732 | $2,291-68.1% | $3,020-75.8% | $2,596-71.8% |
| Participant deferral / active EE | $926 | $4,230-78.1% | $5,135-82.0% | $4,274-78.3% |
| Admin fee / account holder | $1,073 | $9,543-88.8% | $12,742-91.6% | $7,775-86.2% |