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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 | $24,178 | $138,393-82.5% | $184,256-86.9% | $80,959-70.1% |
| Participation rate | 44.4% | 83.9%-39.5pp | 86.8%-42.4pp | 67.7%-23.2pp |
| Annual return | 34.59% | 20.01%+14.6pp | 28.85%+5.7pp | 35.67%-1.1pp |
| Employer contribution / active EE | $1,544 | $4,847-68.1% | $6,427-76.0% | $2,757-44.0% |
| Participant deferral / active EE | $2,868 | $7,076-59.5% | $9,133-68.6% | $4,300-33.3% |
| Admin fee / account holder | $2,609 | $10,489-75.1% | $13,899-81.2% | $6,925-62.3% |