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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 | $28,366 | $87,132-67.4% | $105,624-73.1% | $80,959-65.0% |
| Participation rate | 39.1% | 70.4%-31.4pp | 75.3%-36.2pp | 67.7%-28.6pp |
| Annual return | 13.29% | 17.03%-3.7pp | 116.20%-102.9pp | 35.67%-22.4pp |
| Employer contribution / active EE | $906 | $2,397-62.2% | $3,168-71.4% | $2,757-67.1% |
| Participant deferral / active EE | $1,433 | $3,985-64.0% | $5,013-71.4% | $4,300-66.7% |
| Admin fee / account holder | $973 | $8,449-88.5% | $10,961-91.1% | $6,925-86.0% |