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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 | $27,214 | $77,670-65.0% | $125,529-78.3% | $65,306-58.3% |
| Participation rate | 24.9% | 63.2%-38.3pp | 74.7%-49.9pp | 57.7%-32.8pp |
| Annual return | 16.40% | 15.16%+1.2pp | 202.56%-186.2pp | 21.94%-5.5pp |
| Employer contribution / active EE | $628 | $2,099-70.1% | $3,058-79.4% | $1,967-68.1% |
| Participant deferral / active EE | $1,017 | $3,095-67.1% | $4,813-78.9% | $2,959-65.6% |
| Admin fee / account holder | $1,211 | $3,598-66.3% | $16,298-92.6% | $3,480-65.2% |