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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 | $28,246 | $91,559-69.2% | $133,978-78.9% | $79,856-64.6% |
| Participation rate | 48.8% | 73.3%-24.6pp | 79.8%-31.1pp | 69.6%-20.9pp |
| Annual return | 14.57% | 61.85%-47.3pp | 45.10%-30.5pp | 31.71%-17.1pp |
| Employer contribution / active EE | $605 | $2,384-74.6% | $3,919-84.6% | $2,471-75.5% |
| Participant deferral / active EE | $736 | $3,734-80.3% | $5,047-85.4% | $3,741-80.3% |
| Admin fee / account holder | $477 | $6,321-92.5% | $8,930-94.7% | $5,306-91.0% |