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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 | $101,763-75.8% | $164,866-85.0% | $80,874-69.5% |
| Participation rate | 28.0% | 71.8%-43.8pp | 78.6%-50.6pp | 67.6%-39.6pp |
| Annual return | 11.67% | 16.73%-5.1pp | 69.97%-58.3pp | 35.62%-23.9pp |
| Employer contribution / active EE | $1,056 | $2,954-64.3% | $4,343-75.7% | $2,756-61.7% |
| Participant deferral / active EE | $1,832 | $4,477-59.1% | $6,033-69.6% | $4,297-57.4% |
| Admin fee / account holder | $326 | $8,228-96.0% | $12,689-97.4% | $6,935-95.3% |