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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 | $94,031-69.1% | $115,768-74.9% | $82,448-64.7% |
| Participation rate | 33.3% | 70.4%-37.1pp | 74.4%-41.1pp | 68.1%-34.7pp |
| Annual return | 16.19% | 20.61%-4.4pp | 100.46%-84.3pp | 41.64%-25.5pp |
| Employer contribution / active EE | $761 | $2,323-67.2% | $2,940-74.1% | $2,551-70.2% |
| Participant deferral / active EE | $1,535 | $3,972-61.3% | $4,917-68.8% | $4,139-62.9% |
| Admin fee / account holder | $4,173 | $10,249-59.3% | $12,439-66.5% | $7,234-42.3% |