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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 | $24,748 | $81,334-69.6% | $113,397-78.2% | $64,097-61.4% |
| Participation rate | 53.8% | 65.6%-11.8pp | 76.5%-22.7pp | 55.2%-1.4pp |
| Annual return | 17.19% | 32.50%-15.3pp | 23.20%-6.0pp | 34.64%-17.4pp |
| Employer contribution / active EE | $672 | $2,077-67.6% | $2,977-77.4% | $1,891-64.5% |
| Participant deferral / active EE | $949 | $3,795-75.0% | $5,076-81.3% | $3,080-69.2% |
| Admin fee / account holder | $1,808 | $4,208-57.0% | $11,957-84.9% | $3,454-47.7% |