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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 | $97,648-71.8% | $121,663-77.4% | $87,485-68.5% |
| Participation rate | 40.0% | 70.5%-30.5pp | 74.5%-34.5pp | 68.9%-28.9pp |
| Annual return | 15.15% | 18.03%-2.9pp | 147.54%-132.4pp | 26.06%-10.9pp |
| Employer contribution / active EE | $848 | $2,300-63.1% | $3,020-71.9% | $2,596-67.3% |
| Participant deferral / active EE | $1,287 | $3,923-67.2% | $4,887-73.7% | $4,274-69.9% |
| Admin fee / account holder | $953 | $11,100-91.4% | $14,289-93.3% | $7,775-87.7% |