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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 | $21,644 | $89,259-75.8% | $107,187-79.8% | $82,637-73.8% |
| Participation rate | 28.6% | 67.9%-39.4pp | 75.0%-46.4pp | 68.1%-39.5pp |
| Annual return | 15.93% | 21.02%-5.1pp | 204.55%-188.6pp | 53.51%-37.6pp |
| Employer contribution / active EE | $6,907 | $3,080+124.2% | $3,782+82.6% | $2,552+170.6% |
| Participant deferral / active EE | $1,270 | $4,037-68.5% | $5,096-75.1% | $4,126-69.2% |
| Admin fee / account holder | $8,080 | $7,381+9.5% | $9,162-11.8% | $7,339+10.1% |