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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 | $18,137 | $80,753-77.5% | $136,297-86.7% | $62,293-70.9% |
| Participation rate | 63.4% | 73.5%-10.1pp | 81.9%-18.5pp | 69.5%-6.1pp |
| Annual return | 21.13% | 35.83%-14.7pp | 5156.19%-5135.1pp | 28.90%-7.8pp |
| Employer contribution / active EE | $3,601 | $2,884+24.9% | $4,696-23.3% | $2,042+76.3% |
| Participant deferral / active EE | $2,337 | $5,164-54.7% | $6,247-62.6% | $3,169-26.3% |
| Admin fee / account holder | $407 | $525-22.6% | $9,244-95.6% | $479-15.1% |