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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 | $37,265 | $145,431-74.4% | $211,142-82.4% | $87,485-57.4% |
| Participation rate | 63.9% | 84.7%-20.9pp | 87.3%-23.4pp | 68.9%-5.0pp |
| Annual return | 14.03% | 27.21%-13.2pp | 46.84%-32.8pp | 26.06%-12.0pp |
| Employer contribution / active EE | $2,103 | $4,662-54.9% | $6,442-67.3% | $2,596-19.0% |
| Participant deferral / active EE | $2,782 | $6,859-59.4% | $9,284-70.0% | $4,274-34.9% |
| Admin fee / account holder | $3,508 | $17,052-79.4% | $19,076-81.6% | $7,775-54.9% |