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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 | $13,875 | $70,430-80.3% | $96,572-85.6% | $85,851-83.8% |
| Participation rate | 21.7% | 61.8%-40.1pp | 69.8%-48.1pp | 69.3%-47.6pp |
| Annual return | 11.84% | 18.58%-6.7pp | 37.79%-26.0pp | 318.63%-306.8pp |
| Employer contribution / active EE | $481 | $1,413-66.0% | $2,357-79.6% | $2,565-81.3% |
| Participant deferral / active EE | $903 | $2,894-68.8% | $3,850-76.6% | $3,952-77.2% |
| Admin fee / account holder | $848 | $4,996-83.0% | $6,183-86.3% | $6,261-86.5% |