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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 | $27,517 | $94,436-70.9% | $115,599-76.2% | $82,637-66.7% |
| Participation rate | 59.7% | 70.4%-10.7pp | 74.3%-14.5pp | 68.1%-8.3pp |
| Annual return | 16.35% | 18.37%-2.0pp | 111.10%-94.7pp | 53.51%-37.2pp |
| Employer contribution / active EE | $643 | $2,324-72.3% | $2,955-78.2% | $2,552-74.8% |
| Participant deferral / active EE | $1,333 | $3,955-66.3% | $4,889-72.7% | $4,126-67.7% |
| Admin fee / account holder | $5,366 | $10,328-48.0% | $12,841-58.2% | $7,339-26.9% |