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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 | $19,334 | $78,428-75.3% | $95,960-79.9% | $79,852-75.8% |
| Participation rate | 58.1% | 73.5%-15.4pp | 77.1%-19.0pp | 69.6%-11.6pp |
| Annual return | 18.23% | 19.37%-1.1pp | 91.63%-73.4pp | 31.72%-13.5pp |
| Employer contribution / active EE | $761 | $1,945-60.9% | $2,541-70.0% | $2,471-69.2% |
| Participant deferral / active EE | $1,275 | $3,440-62.9% | $4,167-69.4% | $3,740-65.9% |
| Admin fee / account holder | $677 | $5,622-88.0% | $6,797-90.0% | $5,306-87.2% |