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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 | $110,137-75.1% | $161,149-83.0% | $82,637-66.8% |
| Participation rate | 24.4% | 72.4%-47.9pp | 78.8%-54.4pp | 68.1%-43.6pp |
| Annual return | 18.65% | 20.69%-2.0pp | 21.16%-2.5pp | 53.51%-34.9pp |
| Employer contribution / active EE | $1,244 | $2,856-56.4% | $4,360-71.5% | $2,552-51.3% |
| Participant deferral / active EE | $1,766 | $4,575-61.4% | $6,153-71.3% | $4,126-57.2% |
| Admin fee / account holder | $1,916 | $9,467-79.8% | $15,194-87.4% | $7,339-73.9% |