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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 | $95,453-71.0% | $112,040-75.3% | $82,448-66.4% |
| Participation rate | 40.0% | 72.8%-32.8pp | 76.5%-36.5pp | 68.1%-28.1pp |
| Annual return | 15.34% | 23.92%-8.6pp | 24.52%-9.2pp | 41.64%-26.3pp |
| Employer contribution / active EE | $1,252 | $2,318-46.0% | $2,954-57.6% | $2,551-50.9% |
| Participant deferral / active EE | $1,805 | $4,224-57.3% | $5,098-64.6% | $4,139-56.4% |
| Admin fee / account holder | $5,650 | $9,013-37.3% | $12,098-53.3% | $7,234-21.9% |