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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 | $23,547 | $83,485-71.8% | $125,195-81.2% | $72,976-67.7% |
| Participation rate | 36.7% | 73.3%-36.6pp | 79.8%-43.1pp | 69.5%-32.8pp |
| Annual return | 20.36% | 25.77%-5.4pp | 43.79%-23.4pp | 81.02%-60.7pp |
| Employer contribution / active EE | $657 | $2,346-72.0% | $3,866-83.0% | $2,440-73.1% |
| Participant deferral / active EE | $1,261 | $3,586-64.8% | $4,937-74.5% | $3,608-65.0% |
| Admin fee / account holder | $389 | $5,518-92.9% | $9,704-96.0% | $5,124-92.4% |