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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 | $22,153 | $65,034-65.9% | $90,970-75.6% | $79,856-72.3% |
| Participation rate | 48.8% | 61.6%-12.8pp | 69.0%-20.2pp | 69.6%-20.8pp |
| Annual return | 11.80% | 30.45%-18.7pp | 134.60%-122.8pp | 31.71%-19.9pp |
| Employer contribution / active EE | $627 | $1,247-49.7% | $2,122-70.4% | $2,471-74.6% |
| Participant deferral / active EE | $1,075 | $2,512-57.2% | $3,373-68.1% | $3,741-71.3% |
| Admin fee / account holder | $4,274 | $4,536-5.8% | $5,961-28.3% | $5,306-19.4% |