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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 | $17,537 | $78,423-77.6% | $95,964-81.7% | $79,856-78.0% |
| Participation rate | 45.5% | 73.5%-28.0pp | 77.1%-31.6pp | 69.6%-24.2pp |
| Annual return | 24.08% | 19.37%+4.7pp | 91.64%-67.6pp | 31.71%-7.6pp |
| Employer contribution / active EE | $627 | $1,945-67.8% | $2,541-75.3% | $2,471-74.6% |
| Participant deferral / active EE | $1,039 | $3,440-69.8% | $4,167-75.1% | $3,741-72.2% |
| Admin fee / account holder | $1,262 | $5,622-77.6% | $6,797-81.4% | $5,306-76.2% |