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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 | $39,206 | $116,081-66.2% | $156,181-74.9% | $79,634-50.8% |
| Participation rate | 28.0% | 75.6%-47.6pp | 78.8%-50.8pp | 62.5%-34.5pp |
| Annual return | 18.32% | 15.89%+2.4pp | 64.87%-46.6pp | 36.46%-18.1pp |
| Employer contribution / active EE | $974 | $2,828-65.6% | $4,294-77.3% | $2,529-61.5% |
| Participant deferral / active EE | $1,720 | $4,584-62.5% | $6,132-72.0% | $3,835-55.1% |
| Admin fee / account holder | $6,596 | $854+672.1% | $14,586-54.8% | $1,002+558.3% |