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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 | $31,305 | $93,182-66.4% | $146,647-78.7% | $79,389-60.6% |
| Participation rate | 31.8% | 76.4%-44.6pp | 80.1%-48.3pp | 70.7%-38.9pp |
| Annual return | 31.07% | 21.61%+9.5pp | 22.75%+8.3pp | 116.89%-85.8pp |
| Employer contribution / active EE | $1,105 | $2,420-54.3% | $4,137-73.3% | $2,428-54.5% |
| Participant deferral / active EE | $1,902 | $4,169-54.4% | $5,506-65.5% | $4,046-53.0% |
| Admin fee / account holder | $731 | $585+24.9% | $10,281-92.9% | $626+16.7% |