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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 | $29,079 | $97,648-70.2% | $121,663-76.1% | $87,485-66.8% |
| Participation rate | 33.3% | 70.5%-37.1pp | 74.5%-41.2pp | 68.9%-35.6pp |
| Annual return | 16.19% | 18.03%-1.8pp | 147.54%-131.4pp | 26.06%-9.9pp |
| Employer contribution / active EE | $761 | $2,300-66.9% | $3,020-74.8% | $2,596-70.7% |
| Participant deferral / active EE | $1,535 | $3,923-60.9% | $4,887-68.6% | $4,274-64.1% |
| Admin fee / account holder | $4,173 | $11,100-62.4% | $14,289-70.8% | $7,775-46.3% |