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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 | $27,731 | $101,795-72.8% | $165,100-83.2% | $80,959-65.7% |
| Participation rate | 53.1% | 71.8%-18.8pp | 78.6%-25.6pp | 67.7%-14.6pp |
| Annual return | 17.23% | 16.73%+0.5pp | 70.21%-53.0pp | 35.67%-18.4pp |
| Employer contribution / active EE | $1,095 | $2,954-62.9% | $4,348-74.8% | $2,757-60.3% |
| Participant deferral / active EE | $1,732 | $4,476-61.3% | $6,035-71.3% | $4,300-59.7% |
| Admin fee / account holder | $2,617 | $8,221-68.2% | $12,696-79.4% | $6,925-62.2% |