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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 | $30,029 | $91,559-67.2% | $133,971-77.6% | $79,852-62.4% |
| Participation rate | 48.4% | 73.3%-25.0pp | 79.8%-31.5pp | 69.6%-21.3pp |
| Annual return | 11.67% | 61.85%-50.2pp | 45.09%-33.4pp | 31.72%-20.0pp |
| Employer contribution / active EE | $1,423 | $2,384-40.3% | $3,919-63.7% | $2,471-42.4% |
| Participant deferral / active EE | $1,023 | $3,734-72.6% | $5,047-79.7% | $3,740-72.6% |
| Admin fee / account holder | $1,848 | $6,321-70.8% | $8,929-79.3% | $5,306-65.2% |