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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 | $21,392 | $135,956-84.3% | $123,894-82.7% | $273,972-92.2% |
| Participation rate | 45.5% | 84.1%-38.6pp | 81.4%-36.0pp | 83.0%-37.6pp |
| Annual return | 8.31% | 56.63%-48.3pp | 47.52%-39.2pp | 41.46%-33.1pp |
| Employer contribution / active EE | $1,813 | $5,170-64.9% | $4,617-60.7% | $4,869-62.8% |
| Participant deferral / active EE | $1,895 | $6,343-70.1% | $5,984-68.3% | $5,287-64.2% |
| Admin fee / account holder | $4,423 | $9,817-55.0% | $8,357-47.1% | $10,133-56.4% |