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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 | $29,195 | $88,203-66.9% | $165,100-82.3% | $74,478-60.8% |
| Participation rate | 39.6% | 73.1%-33.5pp | 78.6%-39.0pp | 67.2%-27.6pp |
| Annual return | 13.63% | 17.13%-3.5pp | 70.21%-56.6pp | 1370.56%-1356.9pp |
| Employer contribution / active EE | $1,182 | $2,601-54.5% | $4,348-72.8% | $2,626-55.0% |
| Participant deferral / active EE | $1,738 | $4,505-61.4% | $6,035-71.2% | $4,350-60.1% |
| Admin fee / account holder | $7,210 | $2,235+222.6% | $12,696-43.2% | $1,946+270.5% |