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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 | $29,534 | $101,798-71.0% | $165,071-82.1% | $80,935-63.5% |
| Participation rate | 54.3% | 71.8%-17.5pp | 78.6%-24.3pp | 67.7%-13.3pp |
| Annual return | 12.66% | 16.73%-4.1pp | 70.17%-57.5pp | 35.66%-23.0pp |
| Employer contribution / active EE | $1,298 | $2,954-56.1% | $4,347-70.1% | $2,757-52.9% |
| Participant deferral / active EE | $1,951 | $4,476-56.4% | $6,035-67.7% | $4,299-54.6% |
| Admin fee / account holder | $397 | $8,221-95.2% | $12,695-96.9% | $6,924-94.3% |