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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 | $25,589 | $80,992-68.4% | $96,534-73.5% | $75,173-66.0% |
| Participation rate | 58.8% | 71.8%-13.0pp | 76.0%-17.2pp | 67.2%-8.4pp |
| Annual return | 15.96% | 27.05%-11.1pp | 25.88%-9.9pp | 160.72%-144.8pp |
| Employer contribution / active EE | $1,222 | $2,283-46.5% | $2,965-58.8% | $2,671-54.2% |
| Participant deferral / active EE | $1,703 | $3,929-56.7% | $4,851-64.9% | $4,126-58.7% |
| Admin fee / account holder | $3,626 | $6,717-46.0% | $8,253-56.1% | $5,651-35.8% |