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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 | $29,627 | $123,478-76.0% | $216,567-86.3% | $94,015-68.5% |
| Participation rate | 64.0% | 75.1%-11.1pp | 81.6%-17.6pp | 70.8%-6.8pp |
| Annual return | 14.64% | 23.61%-9.0pp | 12.94%+1.7pp | 17.84%-3.2pp |
| Employer contribution / active EE | $1,172 | $3,136-62.6% | $5,216-77.5% | $2,790-58.0% |
| Participant deferral / active EE | $1,671 | $4,556-63.3% | $6,191-73.0% | $4,249-60.7% |
| Admin fee / account holder | $2,356 | $12,753-81.5% | $21,981-89.3% | $8,951-73.7% |