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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 | $29,215 | $97,648-70.1% | $121,663-76.0% | $87,485-66.6% |
| Participation rate | 47.5% | 70.5%-23.0pp | 74.5%-27.0pp | 68.9%-21.4pp |
| Annual return | 15.23% | 18.03%-2.8pp | 147.54%-132.3pp | 26.06%-10.8pp |
| Employer contribution / active EE | $726 | $2,300-68.4% | $3,020-76.0% | $2,596-72.0% |
| Participant deferral / active EE | $1,661 | $3,923-57.7% | $4,887-66.0% | $4,274-61.1% |
| Admin fee / account holder | $2,689 | $11,100-75.8% | $14,289-81.2% | $7,775-65.4% |