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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 | $22,060 | $87,225-74.7% | $158,226-86.1% | $94,015-76.5% |
| Participation rate | 64.1% | 67.9%-3.9pp | 74.8%-10.8pp | 70.8%-6.8pp |
| Annual return | 13.60% | 16.34%-2.7pp | 501.41%-487.8pp | 17.84%-4.2pp |
| Employer contribution / active EE | $1,552 | $2,217-30.0% | $2,986-48.0% | $2,790-44.4% |
| Participant deferral / active EE | $1,110 | $3,405-67.4% | $4,317-74.3% | $4,249-73.9% |
| Admin fee / account holder | $3,097 | $7,888-60.7% | $10,217-69.7% | $8,951-65.4% |