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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 | $24,581 | $107,421-77.1% | $182,262-86.5% | $94,015-73.9% |
| Participation rate | 44.0% | 77.8%-33.8pp | 84.2%-40.2pp | 70.8%-26.8pp |
| Annual return | 34.96% | 21.32%+13.6pp | 140.60%-105.6pp | 17.84%+17.1pp |
| Employer contribution / active EE | $983 | $3,448-71.5% | $5,046-80.5% | $2,790-64.8% |
| Participant deferral / active EE | $1,834 | $6,558-72.0% | $8,276-77.8% | $4,249-56.9% |
| Admin fee / account holder | $1,450 | $8,692-83.3% | $16,712-91.3% | $8,951-83.8% |