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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 | $95,404-66.2% | $113,397-71.6% | $82,637-61.0% |
| Participation rate | 56.7% | 72.8%-16.2pp | 76.5%-19.8pp | 68.1%-11.4pp |
| Annual return | 16.93% | 19.08%-2.2pp | 23.20%-6.3pp | 53.51%-36.6pp |
| Employer contribution / active EE | $933 | $2,307-59.6% | $2,977-68.7% | $2,552-63.4% |
| Participant deferral / active EE | $1,788 | $4,220-57.6% | $5,076-64.8% | $4,126-56.7% |
| Admin fee / account holder | $9,134 | $9,168-0.4% | $11,957-23.6% | $7,339+24.5% |