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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 | $23,551 | $85,515-72.5% | $112,040-79.0% | $67,986-65.4% |
| Participation rate | 22.8% | 68.2%-45.4pp | 76.5%-53.7pp | 57.2%-34.4pp |
| Annual return | 30.30% | 29.68%+0.6pp | 24.52%+5.8pp | 31.67%-1.4pp |
| Employer contribution / active EE | $627 | $2,191-71.4% | $2,954-78.8% | $2,019-69.0% |
| Participant deferral / active EE | $1,277 | $4,014-68.2% | $5,098-74.9% | $3,358-62.0% |
| Admin fee / account holder | $918 | $3,774-75.7% | $12,098-92.4% | $3,203-71.3% |