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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 | $31,112 | $94,436-67.1% | $115,599-73.1% | $82,637-62.4% |
| Participation rate | 36.4% | 70.4%-34.1pp | 74.3%-37.9pp | 68.1%-31.7pp |
| Annual return | 17.88% | 18.37%-0.5pp | 111.10%-93.2pp | 53.51%-35.6pp |
| Employer contribution / active EE | $859 | $2,324-63.0% | $2,955-70.9% | $2,552-66.4% |
| Participant deferral / active EE | $1,329 | $3,955-66.4% | $4,889-72.8% | $4,126-67.8% |
| Admin fee / account holder | $2,161 | $10,328-79.1% | $12,841-83.2% | $7,339-70.5% |