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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 | $31,014 | $95,453-67.5% | $112,040-72.3% | $82,448-62.4% |
| Participation rate | 36.3% | 72.8%-36.5pp | 76.5%-40.2pp | 68.1%-31.8pp |
| Annual return | 16.75% | 23.92%-7.2pp | 24.52%-7.8pp | 41.64%-24.9pp |
| Employer contribution / active EE | $796 | $2,318-65.6% | $2,954-73.0% | $2,551-68.8% |
| Participant deferral / active EE | $1,191 | $4,224-71.8% | $5,098-76.6% | $4,139-71.2% |
| Admin fee / account holder | $1,497 | $9,013-83.4% | $12,098-87.6% | $7,234-79.3% |