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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 | $20,006 | $76,112-73.7% | $96,544-79.3% | $71,529-72.0% |
| Participation rate | 44.9% | 74.4%-29.5pp | 76.0%-31.1pp | 67.9%-23.0pp |
| Annual return | 20.74% | 22.80%-2.1pp | 25.88%-5.1pp | 28.97%-8.2pp |
| Employer contribution / active EE | $1,388 | $2,248-38.3% | $2,966-53.2% | $2,590-46.4% |
| Participant deferral / active EE | $1,769 | $4,217-58.1% | $4,851-63.5% | $4,291-58.8% |
| Admin fee / account holder | $2,165 | $2,708-20.1% | $8,254-73.8% | $1,588+36.3% |