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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 | $108,825-72.8% | $156,181-81.0% | $82,448-64.1% |
| Participation rate | 64.0% | 72.4%-8.4pp | 78.8%-14.8pp | 68.1%-4.1pp |
| Annual return | 14.64% | 20.59%-5.9pp | 64.87%-50.2pp | 41.64%-27.0pp |
| Employer contribution / active EE | $1,172 | $2,870-59.1% | $4,294-72.7% | $2,551-54.0% |
| Participant deferral / active EE | $1,671 | $4,577-63.5% | $6,132-72.8% | $4,139-59.6% |
| Admin fee / account holder | $2,356 | $9,341-74.8% | $14,586-83.8% | $7,234-67.4% |