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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 | $27,238 | $123,478-77.9% | $216,567-87.4% | $94,015-71.0% |
| Participation rate | 30.3% | 75.1%-44.8pp | 81.6%-51.3pp | 70.8%-40.5pp |
| Annual return | 14.68% | 23.61%-8.9pp | 12.94%+1.7pp | 17.84%-3.2pp |
| Employer contribution / active EE | $1,268 | $3,136-59.6% | $5,216-75.7% | $2,790-54.6% |
| Participant deferral / active EE | $1,527 | $4,556-66.5% | $6,191-75.3% | $4,249-64.1% |
| Admin fee / account holder | $8,279 | $12,753-35.1% | $21,981-62.3% | $8,951-7.5% |