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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 | $30,284 | $83,090-63.6% | $130,062-76.7% | $71,529-57.7% |
| Participation rate | 53.6% | 74.1%-20.6pp | 78.5%-24.9pp | 67.9%-14.4pp |
| Annual return | 16.50% | 20.61%-4.1pp | -137.37%+153.9pp | 28.97%-12.5pp |
| Employer contribution / active EE | $1,077 | $2,624-58.9% | $4,322-75.1% | $2,590-58.4% |
| Participant deferral / active EE | $1,857 | $4,436-58.1% | $5,821-68.1% | $4,291-56.7% |
| Admin fee / account holder | $1,911 | $1,727+10.7% | $10,601-82.0% | $1,588+20.3% |