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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 | $27,225 | $79,223-65.6% | $102,460-73.4% | $74,478-63.4% |
| Participation rate | 30.9% | 74.8%-43.9pp | 76.5%-45.6pp | 67.2%-36.3pp |
| Annual return | 15.29% | 54.98%-39.7pp | 29.47%-14.2pp | 1370.56%-1355.3pp |
| Employer contribution / active EE | $796 | $2,363-66.3% | $3,025-73.7% | $2,626-69.7% |
| Participant deferral / active EE | $2,126 | $4,417-51.9% | $5,056-58.0% | $4,350-51.1% |
| Admin fee / account holder | $1,795 | $2,003-10.4% | $9,460-81.0% | $1,946-7.8% |