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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 | $17,219 | $93,598-81.6% | $135,974-87.3% | $75,173-77.1% |
| Participation rate | 39.4% | 75.2%-35.8pp | 81.9%-42.5pp | 67.2%-27.8pp |
| Annual return | 30.59% | 30.89%-0.3pp | 68.30%-37.7pp | 160.72%-130.1pp |
| Employer contribution / active EE | $1,773 | $3,538-49.9% | $4,859-63.5% | $2,671-33.6% |
| Participant deferral / active EE | $2,206 | $6,405-65.6% | $7,760-71.6% | $4,126-46.5% |
| Admin fee / account holder | $4,248 | $6,978-39.1% | $10,767-60.5% | $5,651-24.8% |