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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 | $24,663 | $98,760-75.0% | $149,715-83.5% | $79,858-69.1% |
| Participation rate | 47.6% | 75.8%-28.2pp | 82.5%-34.9pp | 69.6%-22.0pp |
| Annual return | 29.18% | 27.43%+1.7pp | 276.66%-247.5pp | 31.72%-2.5pp |
| Employer contribution / active EE | $1,065 | $3,217-66.9% | $4,645-77.1% | $2,471-56.9% |
| Participant deferral / active EE | $2,107 | $5,681-62.9% | $6,842-69.2% | $3,740-43.7% |
| Admin fee / account holder | $461 | $6,053-92.4% | $9,310-95.1% | $5,306-91.3% |