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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 | $25,260 | $80,992-68.8% | $96,534-73.8% | $75,173-66.4% |
| Participation rate | 32.3% | 71.8%-39.5pp | 76.0%-43.7pp | 67.2%-34.9pp |
| Annual return | 37.97% | 27.05%+10.9pp | 25.88%+12.1pp | 160.72%-122.8pp |
| Employer contribution / active EE | $871 | $2,283-61.8% | $2,965-70.6% | $2,671-67.4% |
| Participant deferral / active EE | $1,494 | $3,929-62.0% | $4,851-69.2% | $4,126-63.8% |
| Admin fee / account holder | $1,937 | $6,717-71.2% | $8,253-76.5% | $5,651-65.7% |