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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 | $29,127 | $95,404-69.5% | $113,397-74.3% | $82,637-64.8% |
| Participation rate | 50.0% | 72.8%-22.8pp | 76.5%-26.5pp | 68.1%-18.1pp |
| Annual return | 16.94% | 19.08%-2.1pp | 23.20%-6.3pp | 53.51%-36.6pp |
| Employer contribution / active EE | $749 | $2,307-67.5% | $2,977-74.8% | $2,552-70.7% |
| Participant deferral / active EE | $1,770 | $4,220-58.1% | $5,076-65.1% | $4,126-57.1% |
| Admin fee / account holder | $725 | $9,168-92.1% | $11,957-93.9% | $7,339-90.1% |