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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 | $20,097 | $135,956-85.2% | $123,894-83.8% | $273,972-92.7% |
| Participation rate | 63.6% | 84.1%-20.4pp | 81.4%-17.8pp | 83.0%-19.4pp |
| Annual return | 6.84% | 56.63%-49.8pp | 47.52%-40.7pp | 41.46%-34.6pp |
| Employer contribution / active EE | $893 | $5,170-82.7% | $4,617-80.6% | $4,869-81.7% |
| Participant deferral / active EE | $1,886 | $6,343-70.3% | $5,984-68.5% | $5,287-64.3% |
| Admin fee / account holder | $835 | $9,817-91.5% | $8,357-90.0% | $10,133-91.8% |