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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 | $27,140 | $73,638-63.1% | $95,960-71.7% | $73,493-63.1% |
| Participation rate | 43.3% | 76.2%-32.9pp | 77.1%-33.8pp | 70.7%-27.4pp |
| Annual return | 27.75% | 16.78%+11.0pp | 91.63%-63.9pp | 28.51%-0.8pp |
| Employer contribution / active EE | $537 | $1,863-71.2% | $2,541-78.9% | $2,270-76.4% |
| Participant deferral / active EE | $1,236 | $3,617-65.8% | $4,167-70.3% | $3,740-66.9% |
| Admin fee / account holder | $553 | $482+14.7% | $6,797-91.9% | $513+7.7% |