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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 | $34,252 | $146,267-76.6% | $197,124-82.6% | $82,448-58.5% |
| Participation rate | 54.9% | 84.0%-29.1pp | 86.7%-31.8pp | 68.1%-13.1pp |
| Annual return | 19.98% | 29.61%-9.6pp | 44.34%-24.4pp | 41.64%-21.7pp |
| Employer contribution / active EE | $2,046 | $4,723-56.7% | $6,227-67.1% | $2,551-19.8% |
| Participant deferral / active EE | $3,044 | $7,035-56.7% | $9,135-66.7% | $4,139-26.5% |
| Admin fee / account holder | $3,490 | $14,422-75.8% | $16,298-78.6% | $7,234-51.8% |