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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 | $45,416 | $167,415-72.9% | $140,514-67.7% | $198,609-77.1% |
| Participation rate | 47.1% | 80.9%-33.8pp | 77.8%-30.7pp | 82.4%-35.3pp |
| Annual return | 15.00% | 13.85%+1.1pp | 14.36%+0.6pp | 202.70%-187.7pp |
| Employer contribution / active EE | $1,460 | $4,088-64.3% | $3,378-56.8% | $5,055-71.1% |
| Participant deferral / active EE | $1,738 | $5,579-68.8% | $4,919-64.7% | $6,977-75.1% |
| Admin fee / account holder | $11,688 | $16,730-30.1% | $13,697-14.7% | $19,030-38.6% |