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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 | $24,557 | $76,112-67.7% | $96,544-74.6% | $71,529-65.7% |
| Participation rate | 44.3% | 74.4%-30.1pp | 76.0%-31.7pp | 67.9%-23.7pp |
| Annual return | 18.82% | 22.80%-4.0pp | 25.88%-7.1pp | 28.97%-10.2pp |
| Employer contribution / active EE | $1,235 | $2,248-45.1% | $2,966-58.4% | $2,590-52.3% |
| Participant deferral / active EE | $1,924 | $4,217-54.4% | $4,851-60.3% | $4,291-55.2% |
| Admin fee / account holder | $1,461 | $2,708-46.1% | $8,254-82.3% | $1,588-8.0% |