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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 | $20,750 | $97,550-78.7% | $120,344-82.8% | $87,485-76.3% |
| Participation rate | 41.2% | 72.8%-31.6pp | 76.7%-35.5pp | 68.9%-27.8pp |
| Annual return | 19.37% | 18.41%+1.0pp | 20.30%-0.9pp | 26.06%-6.7pp |
| Employer contribution / active EE | $702 | $2,291-69.4% | $3,020-76.8% | $2,596-73.0% |
| Participant deferral / active EE | $1,852 | $4,230-56.2% | $5,135-63.9% | $4,274-56.7% |
| Admin fee / account holder | $1,930 | $9,543-79.8% | $12,742-84.9% | $7,775-75.2% |