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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 | $21,826 | $87,132-75.0% | $105,624-79.3% | $80,959-73.0% |
| Participation rate | 36.0% | 70.4%-34.4pp | 75.3%-39.3pp | 67.7%-31.7pp |
| Annual return | 10.50% | 17.03%-6.5pp | 116.20%-105.7pp | 35.67%-25.2pp |
| Employer contribution / active EE | $812 | $2,397-66.1% | $3,168-74.4% | $2,757-70.6% |
| Participant deferral / active EE | $1,450 | $3,985-63.6% | $5,013-71.1% | $4,300-66.3% |
| Admin fee / account holder | $3,402 | $8,449-59.7% | $10,961-69.0% | $6,925-50.9% |