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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 | $20,284 | $153,769-86.8% | $133,975-84.9% | $273,972-92.6% |
| Participation rate | 60.9% | 88.4%-27.5pp | 87.1%-26.2pp | 83.0%-22.1pp |
| Annual return | 5.71% | 36.51%-30.8pp | 29.29%-23.6pp | 41.46%-35.7pp |
| Employer contribution / active EE | $1,550 | $6,029-74.3% | $5,211-70.3% | $4,869-68.2% |
| Participant deferral / active EE | $2,134 | $6,958-69.3% | $6,282-66.0% | $5,287-59.6% |
| Admin fee / account holder | $2,664 | $11,765-77.4% | $9,324-71.4% | $10,133-73.7% |