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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 | $22,166 | $114,712-80.7% | $173,730-87.2% | $87,485-74.7% |
| Participation rate | 27.9% | 73.0%-45.1pp | 79.6%-51.7pp | 68.9%-41.0pp |
| Annual return | 21.11% | 20.18%+0.9pp | 19.96%+1.2pp | 26.06%-4.9pp |
| Employer contribution / active EE | $790 | $2,904-72.8% | $4,577-82.8% | $2,596-69.6% |
| Participant deferral / active EE | $2,069 | $4,642-55.4% | $6,326-67.3% | $4,274-51.6% |
| Admin fee / account holder | $1,401 | $10,210-86.3% | $17,523-92.0% | $7,775-82.0% |