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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 | $26,773 | $101,752-73.7% | $164,928-83.8% | $80,911-66.9% |
| Participation rate | 32.0% | 71.8%-39.8pp | 78.6%-46.6pp | 67.6%-35.6pp |
| Annual return | 11.71% | 16.73%-5.0pp | 70.08%-58.4pp | 35.63%-23.9pp |
| Employer contribution / active EE | $1,131 | $2,953-61.7% | $4,343-74.0% | $2,756-59.0% |
| Participant deferral / active EE | $1,367 | $4,477-69.5% | $6,034-77.3% | $4,297-68.2% |
| Admin fee / account holder | $1,990 | $8,218-75.8% | $12,684-84.3% | $6,935-71.3% |