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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 | $27,526 | $94,031-70.7% | $115,768-76.2% | $82,448-66.6% |
| Participation rate | 40.0% | 70.4%-30.4pp | 74.4%-34.4pp | 68.1%-28.1pp |
| Annual return | 15.15% | 20.61%-5.5pp | 100.46%-85.3pp | 41.64%-26.5pp |
| Employer contribution / active EE | $848 | $2,323-63.5% | $2,940-71.1% | $2,551-66.7% |
| Participant deferral / active EE | $1,287 | $3,972-67.6% | $4,917-73.8% | $4,139-68.9% |
| Admin fee / account holder | $953 | $10,249-90.7% | $12,439-92.3% | $7,234-86.8% |