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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 | $24,400 | $136,860-82.2% | $120,344-79.7% | $154,746-84.2% |
| Participation rate | 65.0% | 79.9%-14.9pp | 76.7%-11.7pp | 80.7%-15.7pp |
| Annual return | 26.09% | 21.38%+4.7pp | 20.30%+5.8pp | 172.34%-146.2pp |
| Employer contribution / active EE | $1,289 | $3,533-63.5% | $3,020-57.3% | $4,379-70.6% |
| Participant deferral / active EE | $1,563 | $5,793-73.0% | $5,135-69.6% | $6,730-76.8% |
| Admin fee / account holder | $320 | $15,393-97.9% | $12,742-97.5% | $14,365-97.8% |