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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 | $77,569-64.9% | $115,599-76.5% | $64,097-57.5% |
| Participation rate | 24.9% | 60.7%-35.8pp | 74.3%-49.4pp | 55.2%-30.3pp |
| Annual return | 16.40% | 18.52%-2.1pp | 111.10%-94.7pp | 34.64%-18.2pp |
| Employer contribution / active EE | $628 | $1,915-67.2% | $2,955-78.7% | $1,891-66.8% |
| Participant deferral / active EE | $1,017 | $3,327-69.4% | $4,889-79.2% | $3,080-67.0% |
| Admin fee / account holder | $1,211 | $4,470-72.9% | $12,841-90.6% | $3,454-64.9% |