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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 | $32,256 | $100,194-67.8% | $122,979-73.8% | $86,983-62.9% |
| Participation rate | 56.7% | 73.0%-16.3pp | 77.2%-20.5pp | 69.5%-12.9pp |
| Annual return | 16.93% | 16.47%+0.5pp | 20.12%-3.2pp | 25.83%-8.9pp |
| Employer contribution / active EE | $933 | $2,326-59.9% | $3,062-69.5% | $2,584-63.9% |
| Participant deferral / active EE | $1,788 | $4,133-56.7% | $5,003-64.3% | $4,194-57.4% |
| Admin fee / account holder | $9,134 | $10,148-10.0% | $12,864-29.0% | $7,856+16.3% |