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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 | $23,260 | $106,864-78.2% | $147,318-84.2% | $82,637-71.9% |
| Participation rate | 40.0% | 75.5%-35.5pp | 82.1%-42.1pp | 68.1%-28.1pp |
| Annual return | 21.35% | 27.49%-6.1pp | 70.43%-49.1pp | 53.51%-32.2pp |
| Employer contribution / active EE | $1,509 | $3,417-55.8% | $4,593-67.1% | $2,552-40.9% |
| Participant deferral / active EE | $2,321 | $6,496-64.3% | $7,906-70.6% | $4,126-43.8% |
| Admin fee / account holder | $1,763 | $8,415-79.1% | $13,708-87.1% | $7,339-76.0% |