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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 | $22,248 | $96,731-77.0% | $123,973-82.1% | $86,983-74.4% |
| Participation rate | 48.3% | 70.0%-21.7pp | 76.7%-28.4pp | 69.5%-21.3pp |
| Annual return | 15.86% | 17.33%-1.5pp | 388.13%-372.3pp | 25.83%-10.0pp |
| Employer contribution / active EE | $914 | $3,297-72.3% | $4,126-77.8% | $2,584-64.6% |
| Participant deferral / active EE | $1,553 | $4,152-62.6% | $5,247-70.4% | $4,194-63.0% |
| Admin fee / account holder | $412 | $8,722-95.3% | $11,799-96.5% | $7,856-94.8% |