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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 | $24,964 | $78,425-68.2% | $95,956-74.0% | $79,858-68.7% |
| Participation rate | 36.7% | 73.5%-36.8pp | 77.1%-40.4pp | 69.6%-33.0pp |
| Annual return | 12.34% | 19.37%-7.0pp | 91.63%-79.3pp | 31.72%-19.4pp |
| Employer contribution / active EE | $959 | $1,945-50.7% | $2,541-62.3% | $2,471-61.2% |
| Participant deferral / active EE | $1,302 | $3,440-62.2% | $4,167-68.8% | $3,740-65.2% |
| Admin fee / account holder | $1,368 | $5,622-75.7% | $6,797-79.9% | $5,306-74.2% |