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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 | $24,129 | $87,465-72.4% | $122,979-80.4% | $65,306-63.1% |
| Participation rate | 40.2% | 66.0%-25.8pp | 77.2%-37.0pp | 57.7%-17.5pp |
| Annual return | 19.14% | 19.76%-0.6pp | 20.12%-1.0pp | 21.94%-2.8pp |
| Employer contribution / active EE | $544 | $2,156-74.8% | $3,062-82.2% | $1,967-72.4% |
| Participant deferral / active EE | $1,500 | $3,705-59.5% | $5,003-70.0% | $2,959-49.3% |
| Admin fee / account holder | $3,761 | $5,100-26.3% | $12,864-70.8% | $3,480+8.1% |