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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 | $22,353 | $114,712-80.5% | $173,730-87.1% | $87,485-74.4% |
| Participation rate | 30.0% | 73.0%-43.0pp | 79.6%-49.6pp | 68.9%-38.9pp |
| Annual return | 16.95% | 20.18%-3.2pp | 19.96%-3.0pp | 26.06%-9.1pp |
| Employer contribution / active EE | $1,011 | $2,904-65.2% | $4,577-77.9% | $2,596-61.0% |
| Participant deferral / active EE | $1,711 | $4,642-63.1% | $6,326-73.0% | $4,274-60.0% |
| Admin fee / account holder | $1,766 | $10,210-82.7% | $17,523-89.9% | $7,775-77.3% |