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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 | $24,637 | $89,652-72.5% | $141,197-82.6% | $65,186-62.2% |
| Participation rate | 38.5% | 74.7%-36.2pp | 82.5%-44.0pp | 70.2%-31.7pp |
| Annual return | 0.00% | 32.79%-32.8pp | 71.41%-71.4pp | 29.39%-29.4pp |
| Employer contribution / active EE | $763 | $3,065-75.1% | $4,736-83.9% | $2,177-65.0% |
| Participant deferral / active EE | $1,075 | $5,691-81.1% | $6,710-84.0% | $3,514-69.4% |
| Admin fee / account holder | $754 | $569+32.7% | $10,265-92.7% | $847-11.0% |