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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 | $12,322 | $78,423-84.3% | $95,964-87.2% | $79,856-84.6% |
| Participation rate | 41.2% | 73.5%-32.3pp | 77.1%-35.9pp | 69.6%-28.5pp |
| Annual return | 15.10% | 19.37%-4.3pp | 91.64%-76.5pp | 31.71%-16.6pp |
| Employer contribution / active EE | $844 | $1,945-56.6% | $2,541-66.8% | $2,471-65.8% |
| Participant deferral / active EE | $1,421 | $3,440-58.7% | $4,167-65.9% | $3,741-62.0% |
| Admin fee / account holder | $2,376 | $5,622-57.7% | $6,797-65.0% | $5,306-55.2% |