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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 | $18,822 | $78,428-76.0% | $95,960-80.4% | $79,852-76.4% |
| Participation rate | 48.6% | 73.5%-24.8pp | 77.1%-28.4pp | 69.6%-21.0pp |
| Annual return | 34.70% | 19.37%+15.3pp | 91.63%-56.9pp | 31.72%+3.0pp |
| Employer contribution / active EE | $668 | $1,945-65.7% | $2,541-73.7% | $2,471-73.0% |
| Participant deferral / active EE | $1,213 | $3,440-64.7% | $4,167-70.9% | $3,740-67.6% |
| Admin fee / account holder | $1,011 | $5,622-82.0% | $6,797-85.1% | $5,306-81.0% |