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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 | $22,909 | $107,421-78.7% | $182,262-87.4% | $94,015-75.6% |
| Participation rate | 51.4% | 77.8%-26.4pp | 84.2%-32.9pp | 70.8%-19.5pp |
| Annual return | 17.78% | 21.32%-3.5pp | 140.60%-122.8pp | 17.84%-0.1pp |
| Employer contribution / active EE | $575 | $3,448-83.3% | $5,046-88.6% | $2,790-79.4% |
| Participant deferral / active EE | $1,309 | $6,558-80.0% | $8,276-84.2% | $4,249-69.2% |
| Admin fee / account holder | $2,105 | $8,692-75.8% | $16,712-87.4% | $8,951-76.5% |