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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 | $35,945 | $100,194-64.1% | $122,979-70.8% | $86,983-58.7% |
| Participation rate | 43.8% | 73.0%-29.1pp | 77.2%-33.4pp | 69.5%-25.7pp |
| Annual return | 57.62% | 16.47%+41.1pp | 20.12%+37.5pp | 25.83%+31.8pp |
| Employer contribution / active EE | $722 | $2,326-69.0% | $3,062-76.4% | $2,584-72.1% |
| Participant deferral / active EE | $1,853 | $4,133-55.2% | $5,003-63.0% | $4,194-55.8% |
| Admin fee / account holder | $4,237 | $10,148-58.2% | $12,864-67.1% | $7,856-46.1% |