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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 | $25,129 | $100,784-75.1% | $191,597-86.9% | $82,637-69.6% |
| Participation rate | 28.1% | 70.5%-42.4pp | 76.9%-48.9pp | 68.1%-40.0pp |
| Annual return | 15.20% | 18.13%-2.9pp | 27.07%-11.9pp | 53.51%-38.3pp |
| Employer contribution / active EE | $1,073 | $3,102-65.4% | $5,025-78.7% | $2,552-58.0% |
| Participant deferral / active EE | $1,454 | $4,937-70.5% | $6,850-78.8% | $4,126-64.8% |
| Admin fee / account holder | $657 | $10,062-93.5% | $22,799-97.1% | $7,339-91.0% |