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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 | $20,134 | $58,828-65.8% | $78,002-74.2% | $62,881-68.0% |
| Participation rate | 39.1% | 71.1%-32.0pp | 75.5%-36.5pp | 69.3%-30.2pp |
| Annual return | 7.84% | 17.16%-9.3pp | 425.99%-418.1pp | 20.14%-12.3pp |
| Employer contribution / active EE | $677 | $1,672-59.5% | $2,470-72.6% | $2,281-70.3% |
| Participant deferral / active EE | $1,012 | $2,686-62.3% | $3,497-71.1% | $3,203-68.4% |
| Admin fee / account holder | $304 | $4,393-93.1% | $5,481-94.5% | $4,296-92.9% |