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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 | $24,597 | $78,707-68.7% | $117,861-79.1% | $70,126-64.9% |
| Participation rate | 55.3% | 73.2%-17.9pp | 79.7%-24.3pp | 69.5%-14.2pp |
| Annual return | 18.86% | 23.30%-4.4pp | 335.11%-316.2pp | 73.15%-54.3pp |
| Employer contribution / active EE | $3,493 | $2,223+57.1% | $3,786-7.7% | $2,343+49.1% |
| Participant deferral / active EE | $1,363 | $3,297-58.7% | $4,482-69.6% | $3,332-59.1% |
| Admin fee / account holder | $839 | $5,066-83.4% | $8,021-89.5% | $4,645-81.9% |