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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 | $19,703 | $106,524-81.5% | $152,301-87.1% | $87,485-77.5% |
| Participation rate | 59.3% | 75.8%-16.5pp | 82.4%-23.2pp | 68.9%-9.7pp |
| Annual return | 17.25% | 26.89%-9.6pp | 80.50%-63.3pp | 26.06%-8.8pp |
| Employer contribution / active EE | $1,775 | $3,371-47.3% | $4,624-61.6% | $2,596-31.6% |
| Participant deferral / active EE | $1,946 | $6,525-70.2% | $8,004-75.7% | $4,274-54.5% |
| Admin fee / account holder | $3,188 | $8,287-61.5% | $14,398-77.9% | $7,775-59.0% |