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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 | $24,673 | $101,795-75.8% | $165,100-85.1% | $80,959-69.5% |
| Participation rate | 28.0% | 71.8%-43.8pp | 78.6%-50.6pp | 67.7%-39.7pp |
| Annual return | 11.67% | 16.73%-5.1pp | 70.21%-58.5pp | 35.67%-24.0pp |
| Employer contribution / active EE | $1,056 | $2,954-64.2% | $4,348-75.7% | $2,757-61.7% |
| Participant deferral / active EE | $1,832 | $4,476-59.1% | $6,035-69.6% | $4,300-57.4% |
| Admin fee / account holder | $326 | $8,221-96.0% | $12,696-97.4% | $6,925-95.3% |