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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 | $35,455 | $88,186-59.8% | $165,071-78.5% | $74,459-52.4% |
| Participation rate | 51.8% | 73.1%-21.4pp | 78.6%-26.9pp | 67.2%-15.4pp |
| Annual return | 17.91% | 17.13%+0.8pp | 70.17%-52.3pp | 1369.70%-1351.8pp |
| Employer contribution / active EE | $920 | $2,600-64.6% | $4,347-78.8% | $2,626-65.0% |
| Participant deferral / active EE | $2,154 | $4,505-52.2% | $6,035-64.3% | $4,350-50.5% |
| Admin fee / account holder | $1,534 | $2,234-31.3% | $12,695-87.9% | $1,945-21.1% |