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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 | $19,485 | $102,422-81.0% | $147,117-86.8% | $80,959-75.9% |
| Participation rate | 60.9% | 75.9%-15.0pp | 82.2%-21.3pp | 67.7%-6.8pp |
| Annual return | 19.29% | 135.16%-115.9pp | 420.54%-401.2pp | 35.67%-16.4pp |
| Employer contribution / active EE | $1,102 | $3,717-70.4% | $4,932-77.7% | $2,757-60.0% |
| Participant deferral / active EE | $1,854 | $6,652-72.1% | $8,065-77.0% | $4,300-56.9% |
| Admin fee / account holder | $2,964 | $7,953-62.7% | $12,993-77.2% | $6,925-57.2% |