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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 | $24,286 | $107,421-77.4% | $182,262-86.7% | $94,015-74.2% |
| Participation rate | 42.4% | 77.8%-35.4pp | 84.2%-41.8pp | 70.8%-28.4pp |
| Annual return | 36.12% | 21.32%+14.8pp | 140.60%-104.5pp | 17.84%+18.3pp |
| Employer contribution / active EE | $597 | $3,448-82.7% | $5,046-88.2% | $2,790-78.6% |
| Participant deferral / active EE | $1,584 | $6,558-75.8% | $8,276-80.9% | $4,249-62.7% |
| Admin fee / account holder | $5,754 | $8,692-33.8% | $16,712-65.6% | $8,951-35.7% |