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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 | $27,640 | $83,485-66.9% | $125,195-77.9% | $72,976-62.1% |
| Participation rate | 53.5% | 73.3%-19.8pp | 79.8%-26.3pp | 69.5%-16.0pp |
| Annual return | 18.11% | 25.77%-7.7pp | 43.79%-25.7pp | 81.02%-62.9pp |
| Employer contribution / active EE | $903 | $2,346-61.5% | $3,866-76.6% | $2,440-63.0% |
| Participant deferral / active EE | $1,516 | $3,586-57.7% | $4,937-69.3% | $3,608-58.0% |
| Admin fee / account holder | $972 | $5,518-82.4% | $9,704-90.0% | $5,124-81.0% |