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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 | $23,135 | $91,439-74.7% | $135,974-83.0% | $71,511-67.6% |
| Participation rate | 40.6% | 75.7%-35.1pp | 81.9%-41.3pp | 67.9%-27.3pp |
| Annual return | 22.83% | 29.90%-7.1pp | 68.30%-45.5pp | 28.86%-6.0pp |
| Employer contribution / active EE | $1,818 | $3,705-50.9% | $4,859-62.6% | $2,589-29.8% |
| Participant deferral / active EE | $3,018 | $7,093-57.5% | $7,760-61.1% | $4,291-29.7% |
| Admin fee / account holder | $4,021 | $1,267+217.4% | $10,767-62.7% | $1,588+153.1% |