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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 | $30,284 | $91,559-66.9% | $133,959-77.4% | $79,858-62.1% |
| Participation rate | 34.3% | 73.3%-39.0pp | 79.8%-45.5pp | 69.6%-35.3pp |
| Annual return | 16.65% | 61.85%-45.2pp | 45.09%-28.4pp | 31.72%-15.1pp |
| Employer contribution / active EE | $872 | $2,384-63.4% | $3,919-77.7% | $2,471-64.7% |
| Participant deferral / active EE | $1,586 | $3,734-57.5% | $5,047-68.6% | $3,740-57.6% |
| Admin fee / account holder | $4,104 | $6,321-35.1% | $8,928-54.0% | $5,306-22.7% |