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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 | $96,289-73.9% | $213,469-88.2% | $87,485-71.3% |
| Participation rate | 28.1% | 69.6%-41.5pp | 77.1%-49.1pp | 68.9%-40.9pp |
| Annual return | 15.20% | 17.78%-2.6pp | 20.58%-5.4pp | 26.06%-10.9pp |
| Employer contribution / active EE | $1,073 | $3,035-64.7% | $4,994-78.5% | $2,596-58.7% |
| Participant deferral / active EE | $1,454 | $4,750-69.4% | $6,841-78.7% | $4,274-66.0% |
| Admin fee / account holder | $657 | $9,670-93.2% | $27,141-97.6% | $7,775-91.5% |