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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 | $29,491 | $79,169-62.7% | $100,415-70.6% | $74,478-60.4% |
| Participation rate | 54.2% | 79.4%-25.2pp | 81.5%-27.3pp | 67.2%-13.0pp |
| Annual return | 19.23% | 20.51%-1.3pp | 49.47%-30.2pp | 1370.56%-1351.3pp |
| Employer contribution / active EE | $835 | $3,017-72.3% | $3,943-78.8% | $2,626-68.2% |
| Participant deferral / active EE | $2,963 | $7,751-61.8% | $8,091-63.4% | $4,350-31.9% |
| Admin fee / account holder | $3,555 | $1,337+165.8% | $7,906-55.0% | $1,946+82.7% |