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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 | $19,268 | $106,264-81.9% | $147,117-86.9% | $77,762-75.2% |
| Participation rate | 44.8% | 78.4%-33.6pp | 82.2%-37.4pp | 70.6%-25.8pp |
| Annual return | 15.26% | 56.94%-41.7pp | 420.54%-405.3pp | 31.27%-16.0pp |
| Employer contribution / active EE | $1,563 | $4,074-61.6% | $4,932-68.3% | $2,728-42.7% |
| Participant deferral / active EE | $2,790 | $8,003-65.1% | $8,065-65.4% | $4,651-40.0% |
| Admin fee / account holder | $970 | $334+190.2% | $12,993-92.5% | $433+124.1% |