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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 | $23,389 | $76,669-69.5% | $96,520-75.8% | $71,495-67.3% |
| Participation rate | 40.0% | 66.6%-26.6pp | 74.3%-34.3pp | 67.9%-27.9pp |
| Annual return | 20.22% | 48.29%-28.1pp | 35.72%-15.5pp | 28.85%-8.6pp |
| Employer contribution / active EE | $1,075 | $3,031-64.5% | $3,739-71.3% | $2,589-58.5% |
| Participant deferral / active EE | $1,624 | $3,771-56.9% | $4,879-66.7% | $4,291-62.1% |
| Admin fee / account holder | $870 | $2,028-57.1% | $6,733-87.1% | $1,588-45.2% |