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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 | $24,633 | $93,345-73.6% | $119,126-79.3% | $87,485-71.8% |
| Participation rate | 25.9% | 68.7%-42.8pp | 75.8%-49.8pp | 68.9%-43.0pp |
| Annual return | 20.42% | 19.08%+1.3pp | 282.11%-261.7pp | 26.06%-5.6pp |
| Employer contribution / active EE | $1,134 | $3,172-64.2% | $4,034-71.9% | $2,596-56.3% |
| Participant deferral / active EE | $1,134 | $4,099-72.3% | $5,318-78.7% | $4,274-73.5% |
| Admin fee / account holder | $4,007 | $8,039-50.2% | $10,693-62.5% | $7,775-48.5% |