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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 | $23,735 | $86,938-72.7% | $102,423-76.8% | $80,925-70.7% |
| Participation rate | 44.7% | 72.4%-27.7pp | 76.5%-31.8pp | 67.7%-23.0pp |
| Annual return | 41.52% | 18.89%+22.6pp | 29.42%+12.1pp | 35.65%+5.9pp |
| Employer contribution / active EE | $711 | $2,369-70.0% | $3,023-76.5% | $2,756-74.2% |
| Participant deferral / active EE | $1,147 | $4,120-72.2% | $5,054-77.3% | $4,299-73.3% |
| Admin fee / account holder | $411 | $8,053-94.9% | $9,455-95.7% | $6,940-94.1% |