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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 | $23,307 | $98,766-76.4% | $149,730-84.4% | $79,852-70.8% |
| Participation rate | 66.7% | 75.8%-9.1pp | 82.5%-15.8pp | 69.6%-3.0pp |
| Annual return | 16.54% | 27.43%-10.9pp | 276.70%-260.2pp | 31.72%-15.2pp |
| Employer contribution / active EE | $1,109 | $3,217-65.5% | $4,645-76.1% | $2,471-55.1% |
| Participant deferral / active EE | $1,555 | $5,681-72.6% | $6,843-77.3% | $3,740-58.4% |
| Admin fee / account holder | $1,124 | $6,052-81.4% | $9,310-87.9% | $5,306-78.8% |