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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 | $29,120 | $80,674-63.9% | $119,126-75.6% | $64,340-54.7% |
| Participation rate | 18.9% | 55.2%-36.3pp | 75.8%-56.9pp | 55.2%-36.3pp |
| Annual return | 15.45% | 26.86%-11.4pp | 282.11%-266.7pp | 24.14%-8.7pp |
| Employer contribution / active EE | $786 | $2,564-69.3% | $4,034-80.5% | $1,862-57.8% |
| Participant deferral / active EE | $804 | $3,053-73.7% | $5,318-84.9% | $2,980-73.0% |
| Admin fee / account holder | $6,009 | $4,559+31.8% | $10,693-43.8% | $3,703+62.3% |