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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 | $32,298 | $95,453-66.2% | $112,040-71.2% | $82,448-60.8% |
| Participation rate | 57.1% | 72.8%-15.6pp | 76.5%-19.3pp | 68.1%-10.9pp |
| Annual return | 17.73% | 23.92%-6.2pp | 24.52%-6.8pp | 41.64%-23.9pp |
| Employer contribution / active EE | $1,357 | $2,318-41.4% | $2,954-54.1% | $2,551-46.8% |
| Participant deferral / active EE | $1,841 | $4,224-56.4% | $5,098-63.9% | $4,139-55.5% |
| Admin fee / account holder | $1,864 | $9,013-79.3% | $12,098-84.6% | $7,234-74.2% |