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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 | $34,208 | $123,478-72.3% | $216,567-84.2% | $94,015-63.6% |
| Participation rate | 28.2% | 75.1%-46.9pp | 81.6%-53.5pp | 70.8%-42.7pp |
| Annual return | 18.39% | 23.61%-5.2pp | 12.94%+5.4pp | 17.84%+0.5pp |
| Employer contribution / active EE | $1,094 | $3,136-65.1% | $5,216-79.0% | $2,790-60.8% |
| Participant deferral / active EE | $1,625 | $4,556-64.3% | $6,191-73.8% | $4,249-61.8% |
| Admin fee / account holder | $2,528 | $12,753-80.2% | $21,981-88.5% | $8,951-71.8% |