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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 | $12,259 | $98,776-87.6% | $149,745-91.8% | $79,856-84.6% |
| Participation rate | 47.6% | 75.8%-28.2pp | 82.5%-34.9pp | 69.6%-22.0pp |
| Annual return | 22.23% | 27.38%-5.1pp | 276.72%-254.5pp | 31.71%-9.5pp |
| Employer contribution / active EE | $1,148 | $3,217-64.3% | $4,646-75.3% | $2,471-53.5% |
| Participant deferral / active EE | $2,281 | $5,681-59.8% | $6,843-66.7% | $3,741-39.0% |
| Admin fee / account holder | $1,977 | $6,053-67.3% | $9,312-78.8% | $5,306-62.7% |