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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 | $28,334 | $91,559-69.1% | $133,971-78.9% | $79,852-64.5% |
| Participation rate | 39.1% | 73.3%-34.2pp | 79.8%-40.7pp | 69.6%-30.5pp |
| Annual return | 77.98% | 61.85%+16.1pp | 45.09%+32.9pp | 31.72%+46.3pp |
| Employer contribution / active EE | $808 | $2,384-66.1% | $3,919-79.4% | $2,471-67.3% |
| Participant deferral / active EE | $1,657 | $3,734-55.6% | $5,047-67.2% | $3,740-55.7% |
| Admin fee / account holder | $1,505 | $6,321-76.2% | $8,929-83.1% | $5,306-71.6% |