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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 | $36,091 | $138,366-73.9% | $184,185-80.4% | $80,911-55.4% |
| Participation rate | 54.2% | 83.9%-29.7pp | 86.8%-32.7pp | 67.6%-13.5pp |
| Annual return | 13.15% | 20.02%-6.9pp | 28.81%-15.7pp | 35.63%-22.5pp |
| Employer contribution / active EE | $1,530 | $4,849-68.4% | $6,426-76.2% | $2,756-44.5% |
| Participant deferral / active EE | $2,312 | $7,074-67.3% | $9,132-74.7% | $4,297-46.2% |
| Admin fee / account holder | $5,303 | $10,484-49.4% | $13,909-61.9% | $6,935-23.5% |