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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 | $27,568 | $95,404-71.1% | $113,397-75.7% | $82,637-66.6% |
| Participation rate | 63.5% | 72.8%-9.3pp | 76.5%-13.0pp | 68.1%-4.5pp |
| Annual return | 18.06% | 19.08%-1.0pp | 23.20%-5.1pp | 53.51%-35.4pp |
| Employer contribution / active EE | $1,292 | $2,307-44.0% | $2,977-56.6% | $2,552-49.4% |
| Participant deferral / active EE | $1,864 | $4,220-55.8% | $5,076-63.3% | $4,126-54.8% |
| Admin fee / account holder | $1,463 | $9,168-84.0% | $11,957-87.8% | $7,339-80.1% |