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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 | $21,027 | $93,345-77.5% | $119,126-82.3% | $87,485-76.0% |
| Participation rate | 44.4% | 68.7%-24.3pp | 75.8%-31.3pp | 68.9%-24.5pp |
| Annual return | 24.30% | 19.08%+5.2pp | 282.11%-257.8pp | 26.06%-1.8pp |
| Employer contribution / active EE | $1,333 | $3,172-58.0% | $4,034-66.9% | $2,596-48.6% |
| Participant deferral / active EE | $1,476 | $4,099-64.0% | $5,318-72.2% | $4,274-65.5% |
| Admin fee / account holder | $785 | $8,039-90.2% | $10,693-92.7% | $7,775-89.9% |