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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 | $97,550-66.9% | $120,344-73.2% | $87,485-63.1% |
| Participation rate | 57.1% | 72.8%-15.7pp | 76.7%-19.6pp | 68.9%-11.8pp |
| Annual return | 17.73% | 18.41%-0.7pp | 20.30%-2.6pp | 26.06%-8.3pp |
| Employer contribution / active EE | $1,357 | $2,291-40.8% | $3,020-55.1% | $2,596-47.7% |
| Participant deferral / active EE | $1,841 | $4,230-56.5% | $5,135-64.1% | $4,274-56.9% |
| Admin fee / account holder | $1,864 | $9,543-80.5% | $12,742-85.4% | $7,775-76.0% |