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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 | $30,878 | $108,825-71.6% | $156,181-80.2% | $82,448-62.5% |
| Participation rate | 58.3% | 72.4%-14.0pp | 78.8%-20.5pp | 68.1%-9.7pp |
| Annual return | 13.92% | 20.59%-6.7pp | 64.87%-51.0pp | 41.64%-27.7pp |
| Employer contribution / active EE | $1,286 | $2,870-55.2% | $4,294-70.1% | $2,551-49.6% |
| Participant deferral / active EE | $1,791 | $4,577-60.9% | $6,132-70.8% | $4,139-56.7% |
| Admin fee / account holder | $3,014 | $9,341-67.7% | $14,586-79.3% | $7,234-58.3% |