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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 | $31,486 | $95,453-67.0% | $112,040-71.9% | $82,448-61.8% |
| Participation rate | 51.0% | 72.8%-21.8pp | 76.5%-25.5pp | 68.1%-17.1pp |
| Annual return | 15.33% | 23.92%-8.6pp | 24.52%-9.2pp | 41.64%-26.3pp |
| Employer contribution / active EE | $897 | $2,318-61.3% | $2,954-69.7% | $2,551-64.9% |
| Participant deferral / active EE | $1,304 | $4,224-69.1% | $5,098-74.4% | $4,139-68.5% |
| Admin fee / account holder | $802 | $9,013-91.1% | $12,098-93.4% | $7,234-88.9% |