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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 | $27,691 | $97,550-71.6% | $120,344-77.0% | $87,485-68.3% |
| Participation rate | 40.0% | 72.8%-32.8pp | 76.7%-36.7pp | 68.9%-28.9pp |
| Annual return | 15.34% | 18.41%-3.1pp | 20.30%-5.0pp | 26.06%-10.7pp |
| Employer contribution / active EE | $1,252 | $2,291-45.3% | $3,020-58.5% | $2,596-51.8% |
| Participant deferral / active EE | $1,805 | $4,230-57.3% | $5,135-64.8% | $4,274-57.8% |
| Admin fee / account holder | $5,650 | $9,543-40.8% | $12,742-55.7% | $7,775-27.3% |