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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 | $32,023 | $105,284-69.6% | $150,734-78.8% | $94,015-65.9% |
| Participation rate | 54.3% | 71.7%-17.4pp | 78.4%-24.1pp | 70.8%-16.5pp |
| Annual return | 10.72% | 15.67%-5.0pp | 600.81%-590.1pp | 17.84%-7.1pp |
| Employer contribution / active EE | $1,507 | $3,599-58.1% | $4,918-69.3% | $2,790-46.0% |
| Participant deferral / active EE | $986 | $4,274-76.9% | $5,610-82.4% | $4,249-76.8% |
| Admin fee / account holder | $4,488 | $9,839-54.4% | $14,905-69.9% | $8,951-49.9% |