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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 | $23,386 | $78,707-70.3% | $117,861-80.2% | $70,126-66.7% |
| Participation rate | 36.0% | 73.2%-37.2pp | 79.7%-43.7pp | 69.5%-33.6pp |
| Annual return | 12.50% | 23.30%-10.8pp | 335.11%-322.6pp | 73.15%-60.6pp |
| Employer contribution / active EE | $624 | $2,223-71.9% | $3,786-83.5% | $2,343-73.3% |
| Participant deferral / active EE | $596 | $3,297-81.9% | $4,482-86.7% | $3,332-82.1% |
| Admin fee / account holder | $362 | $5,066-92.8% | $8,021-95.5% | $4,645-92.2% |