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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 | $25,635 | $131,835-80.6% | $108,582-76.4% | $273,972-90.6% |
| Participation rate | 37.5% | 83.5%-46.0pp | 79.6%-42.1pp | 83.0%-45.5pp |
| Annual return | 14.16% | -91.57%+105.7pp | -51.70%+65.9pp | 41.46%-27.3pp |
| Employer contribution / active EE | $1,233 | $4,913-74.9% | $3,758-67.2% | $4,869-74.7% |
| Participant deferral / active EE | $1,454 | $5,127-71.6% | $4,311-66.3% | $5,287-72.5% |
| Admin fee / account holder | $1,048 | $10,253-89.8% | $7,645-86.3% | $10,133-89.7% |