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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 | $15,213 | $54,729-72.2% | $86,235-82.4% | $71,529-78.7% |
| Participation rate | 21.4% | 60.1%-38.7pp | 69.0%-47.5pp | 67.9%-46.5pp |
| Annual return | 18.26% | 20.07%-1.8pp | 1170.03%-1151.8pp | 28.97%-10.7pp |
| Employer contribution / active EE | $423 | $1,267-66.6% | $2,381-82.2% | $2,590-83.7% |
| Participant deferral / active EE | $771 | $3,110-75.2% | $3,987-80.7% | $4,291-82.0% |
| Admin fee / account holder | $1,014 | $1,921-47.2% | $6,856-85.2% | $1,588-36.2% |