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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 | $31,448 | $94,436-66.7% | $115,599-72.8% | $82,637-61.9% |
| Participation rate | 67.6% | 70.4%-2.9pp | 74.3%-6.7pp | 68.1%-0.5pp |
| Annual return | 15.22% | 18.37%-3.2pp | 111.10%-95.9pp | 53.51%-38.3pp |
| Employer contribution / active EE | $649 | $2,324-72.1% | $2,955-78.0% | $2,552-74.6% |
| Participant deferral / active EE | $1,511 | $3,955-61.8% | $4,889-69.1% | $4,126-63.4% |
| Admin fee / account holder | $1,297 | $10,328-87.4% | $12,841-89.9% | $7,339-82.3% |