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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 | $12,242 | $68,586-82.2% | $120,380-89.8% | $80,911-84.9% |
| Participation rate | 43.3% | 61.6%-18.2pp | 71.9%-28.6pp | 67.6%-24.3pp |
| Annual return | 17.14% | 23.62%-6.5pp | 107.28%-90.1pp | 35.63%-18.5pp |
| Employer contribution / active EE | $837 | $2,053-59.2% | $3,465-75.8% | $2,756-69.6% |
| Participant deferral / active EE | $1,090 | $3,174-65.6% | $4,992-78.2% | $4,297-74.6% |
| Admin fee / account holder | $1,393 | $5,733-75.7% | $9,421-85.2% | $6,935-79.9% |