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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 | $77,569-67.9% | $115,599-78.5% | $64,097-61.2% |
| Participation rate | 42.7% | 60.7%-17.9pp | 74.3%-31.5pp | 55.2%-12.5pp |
| Annual return | 17.25% | 18.52%-1.3pp | 111.10%-93.8pp | 34.64%-17.4pp |
| Employer contribution / active EE | $957 | $1,915-50.0% | $2,955-67.6% | $1,891-49.4% |
| Participant deferral / active EE | $1,448 | $3,327-56.5% | $4,889-70.4% | $3,080-53.0% |
| Admin fee / account holder | $2,559 | $4,470-42.7% | $12,841-80.1% | $3,454-25.9% |