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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 | $26,418 | $65,378-59.6% | $87,103-69.7% | $65,186-59.5% |
| Participation rate | 62.1% | 75.3%-13.3pp | 76.9%-14.8pp | 70.2%-8.1pp |
| Annual return | 26.94% | 31.28%-4.3pp | 28.19%-1.3pp | 29.39%-2.4pp |
| Employer contribution / active EE | $1,046 | $1,823-42.6% | $2,521-58.5% | $2,177-51.9% |
| Participant deferral / active EE | $1,620 | $3,389-52.2% | $4,049-60.0% | $3,514-53.9% |
| Admin fee / account holder | $957 | $520+84.1% | $7,491-87.2% | $847+13.0% |