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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 | $22,793 | $83,045-72.6% | $130,026-82.5% | $71,495-68.1% |
| Participation rate | 32.2% | 74.1%-41.9pp | 78.5%-46.3pp | 67.9%-35.7pp |
| Annual return | 25.50% | 20.61%+4.9pp | -137.26%+162.8pp | 28.85%-3.4pp |
| Employer contribution / active EE | $836 | $2,623-68.1% | $4,321-80.7% | $2,589-67.7% |
| Participant deferral / active EE | $1,658 | $4,436-62.6% | $5,821-71.5% | $4,291-61.4% |
| Admin fee / account holder | $2,365 | $1,727+36.9% | $10,608-77.7% | $1,588+48.9% |