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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 | $97,648-68.1% | $121,663-74.4% | $87,485-64.4% |
| Participation rate | 36.4% | 70.5%-34.1pp | 74.5%-38.1pp | 68.9%-32.6pp |
| Annual return | 17.88% | 18.03%-0.1pp | 147.54%-129.7pp | 26.06%-8.2pp |
| Employer contribution / active EE | $859 | $2,300-62.7% | $3,020-71.6% | $2,596-66.9% |
| Participant deferral / active EE | $1,329 | $3,923-66.1% | $4,887-72.8% | $4,274-68.9% |
| Admin fee / account holder | $2,161 | $11,100-80.5% | $14,289-84.9% | $7,775-72.2% |