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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 | $12,433 | $98,776-87.4% | $149,745-91.7% | $79,856-84.4% |
| Participation rate | 36.0% | 75.8%-39.8pp | 82.5%-46.5pp | 69.6%-33.7pp |
| Annual return | 19.08% | 27.38%-8.3pp | 276.72%-257.6pp | 31.71%-12.6pp |
| Employer contribution / active EE | $915 | $3,217-71.5% | $4,646-80.3% | $2,471-63.0% |
| Participant deferral / active EE | $1,266 | $5,681-77.7% | $6,843-81.5% | $3,741-66.2% |
| Admin fee / account holder | $3,134 | $6,053-48.2% | $9,312-66.3% | $5,306-40.9% |