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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 | $23,708 | $107,421-77.9% | $182,262-87.0% | $94,015-74.8% |
| Participation rate | 46.9% | 77.8%-30.8pp | 84.2%-37.3pp | 70.8%-23.9pp |
| Annual return | 16.33% | 21.32%-5.0pp | 140.60%-124.3pp | 17.84%-1.5pp |
| Employer contribution / active EE | $582 | $3,448-83.1% | $5,046-88.5% | $2,790-79.1% |
| Participant deferral / active EE | $2,508 | $6,558-61.8% | $8,276-69.7% | $4,249-41.0% |
| Admin fee / account holder | $4,455 | $8,692-48.7% | $16,712-73.3% | $8,951-50.2% |