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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 | $24,499 | $101,752-75.9% | $164,928-85.1% | $80,911-69.7% |
| Participation rate | 28.6% | 71.8%-43.3pp | 78.6%-50.0pp | 67.6%-39.1pp |
| Annual return | 38.40% | 16.73%+21.7pp | 70.08%-31.7pp | 35.63%+2.8pp |
| Employer contribution / active EE | $834 | $2,953-71.8% | $4,343-80.8% | $2,756-69.7% |
| Participant deferral / active EE | $1,072 | $4,477-76.0% | $6,034-82.2% | $4,297-75.0% |
| Admin fee / account holder | $1,134 | $8,218-86.2% | $12,684-91.1% | $6,935-83.7% |