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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 | $21,644 | $105,284-79.4% | $150,734-85.6% | $94,015-77.0% |
| Participation rate | 28.6% | 71.7%-43.2pp | 78.4%-49.9pp | 70.8%-42.2pp |
| Annual return | 15.93% | 15.67%+0.3pp | 600.81%-584.9pp | 17.84%-1.9pp |
| Employer contribution / active EE | $6,907 | $3,599+91.9% | $4,918+40.4% | $2,790+147.5% |
| Participant deferral / active EE | $1,270 | $4,274-70.3% | $5,610-77.4% | $4,249-70.1% |
| Admin fee / account holder | $8,080 | $9,839-17.9% | $14,905-45.8% | $8,951-9.7% |