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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 | $30,886 | $95,084-67.5% | $140,514-78.0% | $69,733-55.7% |
| Participation rate | 35.2% | 68.7%-33.5pp | 77.8%-42.6pp | 62.5%-27.3pp |
| Annual return | 17.78% | 18.56%-0.8pp | 14.36%+3.4pp | 15.22%+2.6pp |
| Employer contribution / active EE | $971 | $2,405-59.6% | $3,378-71.3% | $2,250-56.8% |
| Participant deferral / active EE | $1,791 | $3,868-53.7% | $4,919-63.6% | $3,054-41.4% |
| Admin fee / account holder | $3,756 | $4,885-23.1% | $13,697-72.6% | $3,102+21.1% |