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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 | $19,975 | $107,421-81.4% | $182,262-89.0% | $94,015-78.8% |
| Participation rate | 50.0% | 77.8%-27.8pp | 84.2%-34.2pp | 70.8%-20.8pp |
| Annual return | 16.29% | 21.32%-5.0pp | 140.60%-124.3pp | 17.84%-1.6pp |
| Employer contribution / active EE | $853 | $3,448-75.3% | $5,046-83.1% | $2,790-69.4% |
| Participant deferral / active EE | $2,473 | $6,558-62.3% | $8,276-70.1% | $4,249-41.8% |
| Admin fee / account holder | $2,745 | $8,692-68.4% | $16,712-83.6% | $8,951-69.3% |