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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 | $115,931-80.7% | $185,441-87.9% | $86,983-74.3% |
| Participation rate | 30.0% | 73.6%-43.6pp | 80.3%-50.3pp | 69.5%-39.5pp |
| Annual return | 16.95% | 21.47%-4.5pp | 20.16%-3.2pp | 25.83%-8.9pp |
| Employer contribution / active EE | $1,011 | $2,937-65.6% | $4,672-78.4% | $2,584-60.9% |
| Participant deferral / active EE | $1,711 | $4,551-62.4% | $6,152-72.2% | $4,194-59.2% |
| Admin fee / account holder | $1,766 | $10,687-83.5% | $17,890-90.1% | $7,856-77.5% |