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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 | $23,908 | $80,781-70.4% | $102,437-76.7% | $74,478-67.9% |
| Participation rate | 23.4% | 65.7%-42.3pp | 74.5%-51.1pp | 67.2%-43.9pp |
| Annual return | 13.68% | 27.58%-13.9pp | 24.95%-11.3pp | 1370.56%-1356.9pp |
| Employer contribution / active EE | $999 | $3,160-68.4% | $3,871-74.2% | $2,626-62.0% |
| Participant deferral / active EE | $1,479 | $3,862-61.7% | $5,060-70.8% | $4,350-66.0% |
| Admin fee / account holder | $3,040 | $2,372+28.2% | $8,388-63.8% | $1,946+56.3% |