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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 | $10,124 | $79,181-87.2% | $102,423-90.1% | $74,429-86.4% |
| Participation rate | 31.8% | 74.8%-43.0pp | 76.5%-44.7pp | 67.2%-35.4pp |
| Annual return | 21.74% | 54.97%-33.2pp | 29.42%-7.7pp | 1368.38%-1346.6pp |
| Employer contribution / active EE | $1,070 | $2,362-54.7% | $3,023-64.6% | $2,625-59.2% |
| Participant deferral / active EE | $1,358 | $4,416-69.2% | $5,054-73.1% | $4,348-68.8% |
| Admin fee / account holder | $563 | $2,002-71.9% | $9,455-94.0% | $1,944-71.1% |