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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 | $27,444 | $114,712-76.1% | $173,730-84.2% | $87,485-68.6% |
| Participation rate | 24.4% | 73.0%-48.5pp | 79.6%-55.1pp | 68.9%-44.5pp |
| Annual return | 18.65% | 20.18%-1.5pp | 19.96%-1.3pp | 26.06%-7.4pp |
| Employer contribution / active EE | $1,244 | $2,904-57.2% | $4,577-72.8% | $2,596-52.1% |
| Participant deferral / active EE | $1,766 | $4,642-62.0% | $6,326-72.1% | $4,274-58.7% |
| Admin fee / account holder | $1,916 | $10,210-81.2% | $17,523-89.1% | $7,775-75.4% |