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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 | $108,825-74.8% | $156,181-82.4% | $82,448-66.7% |
| Participation rate | 24.4% | 72.4%-47.9pp | 78.8%-54.4pp | 68.1%-43.6pp |
| Annual return | 18.65% | 20.59%-1.9pp | 64.87%-46.2pp | 41.64%-23.0pp |
| Employer contribution / active EE | $1,244 | $2,870-56.6% | $4,294-71.0% | $2,551-51.2% |
| Participant deferral / active EE | $1,766 | $4,577-61.4% | $6,132-71.2% | $4,139-57.3% |
| Admin fee / account holder | $1,916 | $9,341-79.5% | $14,586-86.9% | $7,234-73.5% |