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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 | $106,247-65.2% | $147,096-74.8% | $77,714-52.4% |
| Participation rate | 43.3% | 78.4%-35.1pp | 82.2%-38.9pp | 70.6%-27.3pp |
| Annual return | 26.07% | 56.87%-30.8pp | 419.75%-393.7pp | 31.26%-5.2pp |
| Employer contribution / active EE | $1,419 | $4,069-65.1% | $4,936-71.2% | $2,727-48.0% |
| Participant deferral / active EE | $2,576 | $7,996-67.8% | $8,071-68.1% | $4,649-44.6% |
| Admin fee / account holder | $4,295 | $338+1169.8% | $13,005-67.0% | $433+891.4% |