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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 | $28,214 | $122,258-76.9% | $199,883-85.9% | $64,097-56.0% |
| Participation rate | 34.4% | 79.0%-44.6pp | 86.8%-52.4pp | 55.2%-20.8pp |
| Annual return | 26.00% | 24.91%+1.1pp | 43.81%-17.8pp | 34.64%-8.6pp |
| Employer contribution / active EE | $1,502 | $4,242-64.6% | $6,261-76.0% | $1,891-20.6% |
| Participant deferral / active EE | $2,861 | $6,258-54.3% | $9,138-68.7% | $3,080-7.1% |
| Admin fee / account holder | $2,182 | $3,882-43.8% | $17,268-87.4% | $3,454-36.8% |