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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 | $20,382 | $76,107-73.2% | $96,576-78.9% | $71,495-71.5% |
| Participation rate | 26.0% | 74.4%-48.4pp | 76.0%-50.0pp | 67.9%-42.0pp |
| Annual return | 20.85% | 22.81%-2.0pp | 25.87%-5.0pp | 28.85%-8.0pp |
| Employer contribution / active EE | $1,003 | $2,247-55.4% | $2,965-66.2% | $2,589-61.3% |
| Participant deferral / active EE | $1,886 | $4,218-55.3% | $4,851-61.1% | $4,291-56.1% |
| Admin fee / account holder | $636 | $2,708-76.5% | $8,253-92.3% | $1,588-60.0% |