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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 | $27,450 | $77,569-64.6% | $115,599-76.3% | $64,097-57.2% |
| Participation rate | 30.2% | 60.7%-30.4pp | 74.3%-44.0pp | 55.2%-25.0pp |
| Annual return | 18.38% | 18.52%-0.1pp | 111.10%-92.7pp | 34.64%-16.3pp |
| Employer contribution / active EE | $529 | $1,915-72.4% | $2,955-82.1% | $1,891-72.1% |
| Participant deferral / active EE | $801 | $3,327-75.9% | $4,889-83.6% | $3,080-74.0% |
| Admin fee / account holder | $1,708 | $4,470-61.8% | $12,841-86.7% | $3,454-50.6% |