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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 | $94,031-68.9% | $115,768-74.8% | $82,448-64.6% |
| Participation rate | 47.5% | 70.4%-22.9pp | 74.4%-26.9pp | 68.1%-20.6pp |
| Annual return | 15.23% | 20.61%-5.4pp | 100.46%-85.2pp | 41.64%-26.4pp |
| Employer contribution / active EE | $726 | $2,323-68.8% | $2,940-75.3% | $2,551-71.5% |
| Participant deferral / active EE | $1,661 | $3,972-58.2% | $4,917-66.2% | $4,139-59.9% |
| Admin fee / account holder | $2,689 | $10,249-73.8% | $12,439-78.4% | $7,234-62.8% |