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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 | $114,712-74.2% | $173,730-82.9% | $87,485-66.1% |
| Participation rate | 64.0% | 73.0%-9.0pp | 79.6%-15.6pp | 68.9%-4.9pp |
| Annual return | 14.64% | 20.18%-5.5pp | 19.96%-5.3pp | 26.06%-11.4pp |
| Employer contribution / active EE | $1,172 | $2,904-59.6% | $4,577-74.4% | $2,596-54.8% |
| Participant deferral / active EE | $1,671 | $4,642-64.0% | $6,326-73.6% | $4,274-60.9% |
| Admin fee / account holder | $2,356 | $10,210-76.9% | $17,523-86.6% | $7,775-69.7% |