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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 | $22,918 | $88,360-74.1% | $145,433-84.2% | $67,986-66.3% |
| Participation rate | 18.3% | 65.5%-47.1pp | 82.1%-63.8pp | 57.2%-38.9pp |
| Annual return | 25.21% | 63.15%-37.9pp | 66.58%-41.4pp | 31.67%-6.5pp |
| Employer contribution / active EE | $659 | $3,054-78.4% | $4,554-85.5% | $2,019-67.4% |
| Participant deferral / active EE | $1,110 | $5,932-81.3% | $7,897-85.9% | $3,358-66.9% |
| Admin fee / account holder | $3,195 | $3,313-3.6% | $13,129-75.7% | $3,203-0.3% |