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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 | $11,909 | $105,210-88.7% | $159,487-92.5% | $85,851-86.1% |
| Participation rate | 55.7% | 75.8%-20.0pp | 82.8%-27.1pp | 69.3%-13.6pp |
| Annual return | 20.70% | 45.08%-24.4pp | 263.71%-243.0pp | 318.63%-297.9pp |
| Employer contribution / active EE | $1,085 | $3,319-67.3% | $4,831-77.5% | $2,565-57.7% |
| Participant deferral / active EE | $1,822 | $5,946-69.4% | $7,354-75.2% | $3,952-53.9% |
| Admin fee / account holder | $900 | $6,934-87.0% | $10,804-91.7% | $6,261-85.6% |