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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 | $16,725 | $98,766-83.1% | $149,730-88.8% | $79,852-79.1% |
| Participation rate | 67.5% | 75.8%-8.3pp | 82.5%-15.0pp | 69.6%-2.1pp |
| Annual return | 25.50% | 27.43%-1.9pp | 276.70%-251.2pp | 31.72%-6.2pp |
| Employer contribution / active EE | $1,078 | $3,217-66.5% | $4,645-76.8% | $2,471-56.4% |
| Participant deferral / active EE | $2,157 | $5,681-62.0% | $6,843-68.5% | $3,740-42.3% |
| Admin fee / account holder | $6,299 | $6,052+4.1% | $9,310-32.3% | $5,306+18.7% |