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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 | $19,488 | $88,360-77.9% | $145,433-86.6% | $67,986-71.3% |
| Participation rate | 22.7% | 65.5%-42.8pp | 82.1%-59.4pp | 57.2%-34.5pp |
| Annual return | 34.30% | 63.15%-28.9pp | 66.58%-32.3pp | 31.67%+2.6pp |
| Employer contribution / active EE | $618 | $3,054-79.8% | $4,554-86.4% | $2,019-69.4% |
| Participant deferral / active EE | $1,038 | $5,932-82.5% | $7,897-86.9% | $3,358-69.1% |
| Admin fee / account holder | $1,515 | $3,313-54.3% | $13,129-88.5% | $3,203-52.7% |