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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 | $20,114 | $96,731-79.2% | $123,973-83.8% | $86,983-76.9% |
| Participation rate | 29.0% | 70.0%-41.0pp | 76.7%-47.6pp | 69.5%-40.5pp |
| Annual return | 16.95% | 17.33%-0.4pp | 388.13%-371.2pp | 25.83%-8.9pp |
| Employer contribution / active EE | $834 | $3,297-74.7% | $4,126-79.8% | $2,584-67.7% |
| Participant deferral / active EE | $1,288 | $4,152-69.0% | $5,247-75.5% | $4,194-69.3% |
| Admin fee / account holder | $7,528 | $8,722-13.7% | $11,799-36.2% | $7,856-4.2% |