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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 | $24,817 | $54,573-54.5% | $90,970-72.7% | $73,493-66.2% |
| Participation rate | 32.4% | 61.2%-28.8pp | 69.0%-36.7pp | 70.7%-38.3pp |
| Annual return | 23.33% | 16.69%+6.6pp | 134.58%-111.2pp | 28.51%-5.2pp |
| Employer contribution / active EE | $657 | $991-33.7% | $2,122-69.0% | $2,270-71.1% |
| Participant deferral / active EE | $863 | $2,517-65.7% | $3,373-74.4% | $3,740-76.9% |
| Admin fee / account holder | $487 | $521-6.6% | $5,960-91.8% | $513-5.0% |