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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 | $37,021 | $106,264-65.2% | $147,117-74.8% | $77,762-52.4% |
| Participation rate | 43.3% | 78.4%-35.1pp | 82.2%-38.9pp | 70.6%-27.3pp |
| Annual return | 26.07% | 56.94%-30.9pp | 420.54%-394.5pp | 31.27%-5.2pp |
| Employer contribution / active EE | $1,419 | $4,074-65.2% | $4,932-71.2% | $2,728-48.0% |
| Participant deferral / active EE | $2,576 | $8,003-67.8% | $8,065-68.1% | $4,651-44.6% |
| Admin fee / account holder | $4,295 | $334+1184.7% | $12,993-66.9% | $433+892.2% |