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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 | $24,305 | $83,485-70.9% | $125,192-80.6% | $72,975-66.7% |
| Participation rate | 55.9% | 73.3%-17.4pp | 79.8%-23.8pp | 69.5%-13.6pp |
| Annual return | 22.56% | 25.77%-3.2pp | 43.79%-21.2pp | 81.01%-58.5pp |
| Employer contribution / active EE | $964 | $2,346-58.9% | $3,866-75.1% | $2,440-60.5% |
| Participant deferral / active EE | $1,293 | $3,586-63.9% | $4,937-73.8% | $3,608-64.2% |
| Admin fee / account holder | $1,926 | $5,518-65.1% | $9,704-80.2% | $5,124-62.4% |