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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 | $15,442 | $52,678-70.7% | $75,784-79.6% | $59,633-74.1% |
| Participation rate | 40.0% | 67.2%-27.2pp | 75.8%-35.8pp | 68.7%-28.7pp |
| Annual return | 1.34% | 2.95%-1.6pp | 9.68%-8.3pp | 2041.45%-2040.1pp |
| Employer contribution / active EE | $3,871 | $2,193+76.5% | $3,323+16.5% | $2,203+75.7% |
| Participant deferral / active EE | $844 | $2,591-67.4% | $3,652-76.9% | $3,192-73.6% |
| Admin fee / account holder | $346 | $3,610-90.4% | $5,300-93.5% | $4,297-91.9% |