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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 | $29,143 | $73,638-60.4% | $95,956-69.6% | $73,493-60.3% |
| Participation rate | 44.1% | 76.2%-32.0pp | 77.1%-33.0pp | 70.7%-26.6pp |
| Annual return | 20.44% | 16.78%+3.7pp | 91.63%-71.2pp | 28.51%-8.1pp |
| Employer contribution / active EE | $1,037 | $1,863-44.3% | $2,541-59.2% | $2,270-54.3% |
| Participant deferral / active EE | $1,733 | $3,617-52.1% | $4,167-58.4% | $3,740-53.7% |
| Admin fee / account holder | $518 | $482+7.4% | $6,797-92.4% | $513+0.9% |