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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 | $19,187 | $89,652-78.6% | $141,197-86.4% | $65,186-70.6% |
| Participation rate | 43.9% | 74.7%-30.8pp | 82.5%-38.6pp | 70.2%-26.3pp |
| Annual return | 27.41% | 32.79%-5.4pp | 71.41%-44.0pp | 29.39%-2.0pp |
| Employer contribution / active EE | $1,023 | $3,065-66.6% | $4,736-78.4% | $2,177-53.0% |
| Participant deferral / active EE | $2,100 | $5,691-63.1% | $6,710-68.7% | $3,514-40.2% |
| Admin fee / account holder | $2,980 | $569+424.1% | $10,265-71.0% | $847+251.7% |