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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 | $15,168 | $105,198-85.6% | $159,455-90.5% | $85,856-82.3% |
| Participation rate | 50.0% | 75.8%-25.8pp | 82.8%-32.8pp | 69.3%-19.3pp |
| Annual return | 18.86% | 45.08%-26.2pp | 263.63%-244.8pp | 318.58%-299.7pp |
| Employer contribution / active EE | $765 | $3,319-77.0% | $4,830-84.2% | $2,565-70.2% |
| Participant deferral / active EE | $2,041 | $5,946-65.7% | $7,353-72.2% | $3,952-48.4% |
| Admin fee / account holder | $604 | $6,934-91.3% | $10,800-94.4% | $6,261-90.4% |