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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 | $24,964 | $78,428-68.2% | $95,960-74.0% | $79,852-68.7% |
| Participation rate | 64.7% | 73.5%-8.8pp | 77.1%-12.4pp | 69.6%-4.9pp |
| Annual return | 11.43% | 19.37%-7.9pp | 91.63%-80.2pp | 31.72%-20.3pp |
| Employer contribution / active EE | $1,030 | $1,945-47.1% | $2,541-59.5% | $2,471-58.3% |
| Participant deferral / active EE | $1,372 | $3,440-60.1% | $4,167-67.1% | $3,740-63.3% |
| Admin fee / account holder | $6,539 | $5,622+16.3% | $6,797-3.8% | $5,306+23.2% |