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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 | $33,478 | $79,169-57.7% | $100,415-66.7% | $74,478-55.0% |
| Participation rate | 36.0% | 79.4%-43.4pp | 81.5%-45.5pp | 67.2%-31.2pp |
| Annual return | 13.46% | 20.51%-7.1pp | 49.47%-36.0pp | 1370.56%-1357.1pp |
| Employer contribution / active EE | $1,339 | $3,017-55.6% | $3,943-66.0% | $2,626-49.0% |
| Participant deferral / active EE | $2,560 | $7,751-67.0% | $8,091-68.4% | $4,350-41.2% |
| Admin fee / account holder | $3,082 | $1,337+130.4% | $7,906-61.0% | $1,946+58.4% |