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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 | $20,114 | $103,393-80.5% | $87,103-76.9% | $152,909-86.8% |
| Participation rate | 55.6% | 79.4%-23.8pp | 76.9%-21.3pp | 82.5%-26.9pp |
| Annual return | 10.88% | 28.10%-17.2pp | 28.19%-17.3pp | 345.46%-334.6pp |
| Employer contribution / active EE | $1,156 | $3,221-64.1% | $2,521-54.1% | $4,764-75.7% |
| Participant deferral / active EE | $1,224 | $4,778-74.4% | $4,049-69.8% | $5,851-79.1% |
| Admin fee / account holder | $3,425 | $12,195-71.9% | $7,491-54.3% | $11,601-70.5% |