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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 | $27,275 | $99,994-72.7% | $146,643-81.4% | $85,847-68.2% |
| Participation rate | 60.0% | 73.1%-13.1pp | 80.1%-20.1pp | 69.3%-9.3pp |
| Annual return | 27.76% | 18.93%+8.8pp | 22.75%+5.0pp | 318.61%-290.9pp |
| Employer contribution / active EE | $974 | $2,559-61.9% | $4,137-76.4% | $2,565-62.0% |
| Participant deferral / active EE | $1,012 | $4,006-74.7% | $5,506-81.6% | $3,952-74.4% |
| Admin fee / account holder | $1,667 | $7,703-78.4% | $10,280-83.8% | $6,261-73.4% |