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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 | $110,137-73.1% | $161,149-81.6% | $82,637-64.1% |
| Participation rate | 64.0% | 72.4%-8.4pp | 78.8%-14.8pp | 68.1%-4.1pp |
| Annual return | 14.64% | 20.69%-6.0pp | 21.16%-6.5pp | 53.51%-38.9pp |
| Employer contribution / active EE | $1,172 | $2,856-58.9% | $4,360-73.1% | $2,552-54.1% |
| Participant deferral / active EE | $1,671 | $4,575-63.5% | $6,153-72.8% | $4,126-59.5% |
| Admin fee / account holder | $2,356 | $9,467-75.1% | $15,194-84.5% | $7,339-67.9% |