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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 | $10,045 | $89,370-88.8% | $141,197-92.9% | $72,976-86.2% |
| Participation rate | 67.4% | 75.1%-7.7pp | 82.5%-15.0pp | 69.5%-2.0pp |
| Annual return | 30.46% | 111.88%-81.4pp | 71.41%-40.9pp | 81.02%-50.6pp |
| Employer contribution / active EE | $748 | $3,115-76.0% | $4,736-84.2% | $2,440-69.3% |
| Participant deferral / active EE | $2,198 | $5,419-59.4% | $6,710-67.2% | $3,608-39.1% |
| Admin fee / account holder | $561 | $5,957-90.6% | $10,265-94.5% | $5,124-89.0% |