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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 | $26,091 | $86,949-70.0% | $102,460-74.5% | $80,959-67.8% |
| Participation rate | 26.4% | 72.4%-46.0pp | 76.5%-50.1pp | 67.7%-41.3pp |
| Annual return | 13.96% | 18.89%-4.9pp | 29.47%-15.5pp | 35.67%-21.7pp |
| Employer contribution / active EE | $1,008 | $2,370-57.4% | $3,025-66.7% | $2,757-63.4% |
| Participant deferral / active EE | $1,819 | $4,121-55.9% | $5,056-64.0% | $4,300-57.7% |
| Admin fee / account holder | $8,785 | $8,048+9.2% | $9,460-7.1% | $6,925+26.9% |