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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 | $29,401 | $86,298-65.9% | $111,308-73.6% | $85,847-65.8% |
| Participation rate | 59.0% | 73.3%-14.3pp | 77.3%-18.3pp | 69.3%-10.3pp |
| Annual return | 12.53% | 19.99%-7.5pp | 54.67%-42.1pp | 318.61%-306.1pp |
| Employer contribution / active EE | $914 | $2,044-55.3% | $2,732-66.5% | $2,565-64.4% |
| Participant deferral / active EE | $1,383 | $3,641-62.0% | $4,487-69.2% | $3,952-65.0% |
| Admin fee / account holder | $2,248 | $8,189-72.5% | $7,965-71.8% | $6,261-64.1% |