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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 | $25,435 | $110,137-76.9% | $161,149-84.2% | $82,637-69.2% |
| Participation rate | 39.6% | 72.4%-32.8pp | 78.8%-39.3pp | 68.1%-28.5pp |
| Annual return | 13.83% | 20.69%-6.9pp | 21.16%-7.3pp | 53.51%-39.7pp |
| Employer contribution / active EE | $970 | $2,856-66.0% | $4,360-77.8% | $2,552-62.0% |
| Participant deferral / active EE | $1,257 | $4,575-72.5% | $6,153-79.6% | $4,126-69.5% |
| Admin fee / account holder | $355 | $9,467-96.3% | $15,194-97.7% | $7,339-95.2% |