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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 | $34,855 | $97,550-64.3% | $120,344-71.0% | $87,485-60.2% |
| Participation rate | 37.9% | 72.8%-34.9pp | 76.7%-38.8pp | 68.9%-31.0pp |
| Annual return | 16.60% | 18.41%-1.8pp | 20.30%-3.7pp | 26.06%-9.5pp |
| Employer contribution / active EE | $1,027 | $2,291-55.2% | $3,020-66.0% | $2,596-60.5% |
| Participant deferral / active EE | $1,737 | $4,230-58.9% | $5,135-66.2% | $4,274-59.4% |
| Admin fee / account holder | $2,483 | $9,543-74.0% | $12,742-80.5% | $7,775-68.1% |