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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 | $97,550-67.7% | $120,344-73.8% | $87,485-64.0% |
| Participation rate | 51.0% | 72.8%-21.8pp | 76.7%-25.7pp | 68.9%-18.0pp |
| Annual return | 15.33% | 18.41%-3.1pp | 20.30%-5.0pp | 26.06%-10.7pp |
| Employer contribution / active EE | $897 | $2,291-60.9% | $3,020-70.3% | $2,596-65.5% |
| Participant deferral / active EE | $1,304 | $4,230-69.2% | $5,135-74.6% | $4,274-69.5% |
| Admin fee / account holder | $802 | $9,543-91.6% | $12,742-93.7% | $7,775-89.7% |