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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 | $23,387 | $138,386-83.1% | $184,260-87.3% | $80,935-71.1% |
| Participation rate | 49.1% | 83.9%-34.8pp | 86.8%-37.8pp | 67.7%-18.6pp |
| Annual return | 62.04% | 20.02%+42.0pp | 28.84%+33.2pp | 35.66%+26.4pp |
| Employer contribution / active EE | $2,454 | $4,851-49.4% | $6,427-61.8% | $2,757-11.0% |
| Participant deferral / active EE | $2,771 | $7,076-60.8% | $9,133-69.7% | $4,299-35.6% |
| Admin fee / account holder | $2,579 | $10,489-75.4% | $13,898-81.4% | $6,924-62.8% |