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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 | $17,753 | $59,467-70.1% | $93,727-81.1% | $74,478-76.2% |
| Participation rate | 19.2% | 59.6%-40.4pp | 68.7%-49.5pp | 67.2%-48.1pp |
| Annual return | 12.35% | 82.14%-69.8pp | 133.83%-121.5pp | 1370.56%-1358.2pp |
| Employer contribution / active EE | $460 | $1,267-63.7% | $2,421-81.0% | $2,626-82.5% |
| Participant deferral / active EE | $828 | $3,052-72.9% | $4,417-81.2% | $4,350-81.0% |
| Admin fee / account holder | $340 | $3,028-88.8% | $8,292-95.9% | $1,946-82.5% |