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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 | $23,870 | $80,705-70.4% | $115,768-79.4% | $67,986-64.9% |
| Participation rate | 33.0% | 63.0%-29.9pp | 74.4%-41.4pp | 57.2%-24.2pp |
| Annual return | 14.16% | 18.49%-4.3pp | 100.46%-86.3pp | 31.67%-17.5pp |
| Employer contribution / active EE | $674 | $2,046-67.1% | $2,940-77.1% | $2,019-66.6% |
| Participant deferral / active EE | $1,307 | $3,559-63.3% | $4,917-73.4% | $3,358-61.1% |
| Admin fee / account holder | $1,075 | $4,135-74.0% | $12,439-91.4% | $3,203-66.4% |