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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 | $24,867 | $80,705-69.2% | $115,768-78.5% | $67,986-63.4% |
| Participation rate | 42.7% | 63.0%-20.2pp | 74.4%-31.7pp | 57.2%-14.5pp |
| Annual return | 17.25% | 18.49%-1.2pp | 100.46%-83.2pp | 31.67%-14.4pp |
| Employer contribution / active EE | $957 | $2,046-53.2% | $2,940-67.5% | $2,019-52.6% |
| Participant deferral / active EE | $1,448 | $3,559-59.3% | $4,917-70.6% | $3,358-56.9% |
| Admin fee / account holder | $2,559 | $4,135-38.1% | $12,439-79.4% | $3,203-20.1% |