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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 | $22,563 | $99,994-77.4% | $146,643-84.6% | $85,847-73.7% |
| Participation rate | 64.9% | 73.1%-8.2pp | 80.1%-15.2pp | 69.3%-4.5pp |
| Annual return | 19.62% | 18.93%+0.7pp | 22.75%-3.1pp | 318.61%-299.0pp |
| Employer contribution / active EE | $1,236 | $2,559-51.7% | $4,137-70.1% | $2,565-51.8% |
| Participant deferral / active EE | $1,628 | $4,006-59.4% | $5,506-70.4% | $3,952-58.8% |
| Admin fee / account holder | $1,664 | $7,703-78.4% | $10,280-83.8% | $6,261-73.4% |