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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 | $22,747 | $101,795-77.7% | $165,100-86.2% | $80,959-71.9% |
| Participation rate | 58.8% | 71.8%-13.0pp | 78.6%-19.8pp | 67.7%-8.8pp |
| Annual return | 15.75% | 16.73%-1.0pp | 70.21%-54.5pp | 35.67%-19.9pp |
| Employer contribution / active EE | $977 | $2,954-66.9% | $4,348-77.5% | $2,757-64.6% |
| Participant deferral / active EE | $1,740 | $4,476-61.1% | $6,035-71.2% | $4,300-59.5% |
| Admin fee / account holder | $1,052 | $8,221-87.2% | $12,696-91.7% | $6,925-84.8% |