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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 | $28,256 | $80,705-65.0% | $115,768-75.6% | $67,986-58.4% |
| Participation rate | 66.1% | 63.0%+3.1pp | 74.4%-8.3pp | 57.2%+8.9pp |
| Annual return | 20.27% | 18.49%+1.8pp | 100.46%-80.2pp | 31.67%-11.4pp |
| Employer contribution / active EE | $1,257 | $2,046-38.6% | $2,940-57.3% | $2,019-37.7% |
| Participant deferral / active EE | $1,519 | $3,559-57.3% | $4,917-69.1% | $3,358-54.8% |
| Admin fee / account holder | $1,386 | $4,135-66.5% | $12,439-88.9% | $3,203-56.7% |