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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 | $27,362 | $97,550-72.0% | $120,344-77.3% | $87,485-68.7% |
| Participation rate | 50.0% | 72.8%-22.8pp | 76.7%-26.7pp | 68.9%-18.9pp |
| Annual return | 15.47% | 18.41%-2.9pp | 20.30%-4.8pp | 26.06%-10.6pp |
| Employer contribution / active EE | $1,051 | $2,291-54.1% | $3,020-65.2% | $2,596-59.5% |
| Participant deferral / active EE | $1,909 | $4,230-54.9% | $5,135-62.8% | $4,274-55.3% |
| Admin fee / account holder | $3,923 | $9,543-58.9% | $12,742-69.2% | $7,775-49.5% |