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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 | $27,654 | $83,045-66.7% | $130,026-78.7% | $71,495-61.3% |
| Participation rate | 27.4% | 74.1%-46.7pp | 78.5%-51.1pp | 67.9%-40.5pp |
| Annual return | 19.27% | 20.61%-1.3pp | -137.26%+156.5pp | 28.85%-9.6pp |
| Employer contribution / active EE | $942 | $2,623-64.1% | $4,321-78.2% | $2,589-63.6% |
| Participant deferral / active EE | $1,512 | $4,436-65.9% | $5,821-74.0% | $4,291-64.8% |
| Admin fee / account holder | $3,983 | $1,727+130.6% | $10,608-62.5% | $1,588+150.9% |