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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 | $28,468 | $80,332-64.6% | $107,187-73.4% | $64,097-55.6% |
| Participation rate | 48.5% | 54.4%-5.9pp | 75.0%-26.5pp | 55.2%-6.6pp |
| Annual return | 17.11% | 24.26%-7.1pp | 204.55%-187.4pp | 34.64%-17.5pp |
| Employer contribution / active EE | $1,636 | $2,501-34.6% | $3,782-56.8% | $1,891-13.5% |
| Participant deferral / active EE | $900 | $3,109-71.0% | $5,096-82.3% | $3,080-70.8% |
| Admin fee / account holder | $3,573 | $4,314-17.2% | $9,162-61.0% | $3,454+3.4% |