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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 | $14,849 | $102,422-85.5% | $147,117-89.9% | $80,959-81.7% |
| Participation rate | 46.4% | 75.9%-29.4pp | 82.2%-35.8pp | 67.7%-21.2pp |
| Annual return | 13.44% | 135.16%-121.7pp | 420.54%-407.1pp | 35.67%-22.2pp |
| Employer contribution / active EE | $1,193 | $3,717-67.9% | $4,932-75.8% | $2,757-56.7% |
| Participant deferral / active EE | $2,162 | $6,652-67.5% | $8,065-73.2% | $4,300-49.7% |
| Admin fee / account holder | $1,455 | $7,953-81.7% | $12,993-88.8% | $6,925-79.0% |