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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 | $25,371 | $95,404-73.4% | $113,397-77.6% | $82,637-69.3% |
| Participation rate | 37.2% | 72.8%-35.6pp | 76.5%-39.3pp | 68.1%-30.8pp |
| Annual return | 18.34% | 19.08%-0.7pp | 23.20%-4.9pp | 53.51%-35.2pp |
| Employer contribution / active EE | $1,005 | $2,307-56.4% | $2,977-66.3% | $2,552-60.6% |
| Participant deferral / active EE | $1,792 | $4,220-57.5% | $5,076-64.7% | $4,126-56.6% |
| Admin fee / account holder | $1,666 | $9,168-81.8% | $11,957-86.1% | $7,339-77.3% |