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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 | $23,151 | $106,524-78.3% | $152,301-84.8% | $87,485-73.5% |
| Participation rate | 30.2% | 75.8%-45.5pp | 82.4%-52.2pp | 68.9%-38.7pp |
| Annual return | 32.17% | 26.89%+5.3pp | 80.50%-48.3pp | 26.06%+6.1pp |
| Employer contribution / active EE | $609 | $3,371-81.9% | $4,624-86.8% | $2,596-76.5% |
| Participant deferral / active EE | $1,256 | $6,525-80.7% | $8,004-84.3% | $4,274-70.6% |
| Admin fee / account holder | $1,794 | $8,287-78.3% | $14,398-87.5% | $7,775-76.9% |