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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 | $24,245 | $181,896-86.7% | $156,551-84.5% | $273,972-91.2% |
| Participation rate | 55.6% | 88.4%-32.8pp | 84.0%-28.5pp | 83.0%-27.5pp |
| Annual return | 8.31% | 30.74%-22.4pp | 32.23%-23.9pp | 41.46%-33.1pp |
| Employer contribution / active EE | $1,535 | $6,248-75.4% | $5,501-72.1% | $4,869-68.5% |
| Participant deferral / active EE | $1,867 | $5,550-66.4% | $4,871-61.7% | $5,287-64.7% |
| Admin fee / account holder | $3,457 | $15,560-77.8% | $13,028-73.5% | $10,133-65.9% |