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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 | $138,366-83.1% | $184,185-87.3% | $80,911-71.1% |
| Participation rate | 49.1% | 83.9%-34.8pp | 86.8%-37.8pp | 67.6%-18.6pp |
| Annual return | 62.04% | 20.02%+42.0pp | 28.81%+33.2pp | 35.63%+26.4pp |
| Employer contribution / active EE | $2,454 | $4,849-49.4% | $6,426-61.8% | $2,756-11.0% |
| Participant deferral / active EE | $2,771 | $7,074-60.8% | $9,132-69.7% | $4,297-35.5% |
| Admin fee / account holder | $2,579 | $10,484-75.4% | $13,909-81.5% | $6,935-62.8% |