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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 | $22,517 | $69,977-67.8% | $108,582-79.3% | $62,881-64.2% |
| Participation rate | 55.2% | 72.9%-17.7pp | 79.6%-24.4pp | 69.3%-14.1pp |
| Annual return | 5.32% | 10.73%-5.4pp | -51.70%+57.0pp | 20.14%-14.8pp |
| Employer contribution / active EE | $528 | $2,135-75.3% | $3,758-85.9% | $2,281-76.8% |
| Participant deferral / active EE | $1,344 | $3,165-57.5% | $4,311-68.8% | $3,203-58.0% |
| Admin fee / account holder | $1,814 | $5,076-64.3% | $7,645-76.3% | $4,296-57.8% |