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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 | $22,925 | $69,977-67.2% | $108,582-78.9% | $62,881-63.5% |
| Participation rate | 53.1% | 72.9%-19.8pp | 79.6%-26.5pp | 69.3%-16.2pp |
| Annual return | 7.00% | 10.73%-3.7pp | -51.70%+58.7pp | 20.14%-13.1pp |
| Employer contribution / active EE | $715 | $2,135-66.5% | $3,758-81.0% | $2,281-68.7% |
| Participant deferral / active EE | $1,141 | $3,165-64.0% | $4,311-73.5% | $3,203-64.4% |
| Admin fee / account holder | $1,414 | $5,076-72.2% | $7,645-81.5% | $4,296-67.1% |