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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 | $20,339 | $78,562-74.1% | $105,608-80.7% | $74,429-72.7% |
| Participation rate | 31.9% | 72.8%-40.9pp | 75.3%-43.4pp | 67.2%-35.4pp |
| Annual return | 12.26% | 15.94%-3.7pp | 116.50%-104.2pp | 1368.38%-1356.1pp |
| Employer contribution / active EE | $857 | $2,521-66.0% | $3,167-73.0% | $2,625-67.4% |
| Participant deferral / active EE | $1,918 | $4,321-55.6% | $5,010-61.7% | $4,348-55.9% |
| Admin fee / account holder | $3,544 | $2,217+59.9% | $11,028-67.9% | $1,944+82.3% |