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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 | $29,215 | $109,620-73.3% | $148,496-80.3% | $94,015-68.9% |
| Participation rate | 47.5% | 71.3%-23.8pp | 76.0%-28.5pp | 70.8%-23.3pp |
| Annual return | 15.23% | 17.54%-2.3pp | 12.33%+2.9pp | 17.84%-2.6pp |
| Employer contribution / active EE | $726 | $2,618-72.3% | $3,497-79.2% | $2,790-74.0% |
| Participant deferral / active EE | $1,661 | $3,831-56.6% | $4,808-65.5% | $4,249-60.9% |
| Admin fee / account holder | $2,689 | $10,050-73.2% | $19,547-86.2% | $8,951-70.0% |