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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 | $97,550-68.2% | $120,344-74.2% | $87,485-64.5% |
| Participation rate | 36.3% | 72.8%-36.6pp | 76.7%-40.4pp | 68.9%-32.7pp |
| Annual return | 16.75% | 18.41%-1.7pp | 20.30%-3.5pp | 26.06%-9.3pp |
| Employer contribution / active EE | $796 | $2,291-65.2% | $3,020-73.6% | $2,596-69.3% |
| Participant deferral / active EE | $1,191 | $4,230-71.8% | $5,135-76.8% | $4,274-72.1% |
| Admin fee / account holder | $1,497 | $9,543-84.3% | $12,742-88.3% | $7,775-80.7% |