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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 | $12,373 | $76,551-83.8% | $123,894-90.0% | $62,881-80.3% |
| Participation rate | 55.4% | 73.0%-17.6pp | 81.4%-26.0pp | 69.3%-13.9pp |
| Annual return | 50.81% | 18.68%+32.1pp | 47.52%+3.3pp | 20.14%+30.7pp |
| Employer contribution / active EE | $1,231 | $2,882-57.3% | $4,617-73.3% | $2,281-46.0% |
| Participant deferral / active EE | $1,513 | $4,840-68.7% | $5,984-74.7% | $3,203-52.8% |
| Admin fee / account holder | $696 | $4,826-85.6% | $8,357-91.7% | $4,296-83.8% |