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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 | $26,074 | $136,307-80.9% | $177,848-85.3% | $73,497-64.5% |
| Participation rate | 39.9% | 86.1%-46.2pp | 87.7%-47.8pp | 70.7%-30.8pp |
| Annual return | 35.71% | 18.68%+17.0pp | 48.33%-12.6pp | 28.51%+7.2pp |
| Employer contribution / active EE | $1,450 | $3,712-60.9% | $5,919-75.5% | $2,270-36.1% |
| Participant deferral / active EE | $2,849 | $5,829-51.1% | $7,714-63.1% | $3,740-23.8% |
| Admin fee / account holder | $2,864 | $596+381.0% | $12,431-77.0% | $513+458.3% |