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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 | $21,283 | $102,422-79.2% | $147,117-85.5% | $80,959-73.7% |
| Participation rate | 47.8% | 75.9%-28.0pp | 82.2%-34.4pp | 67.7%-19.8pp |
| Annual return | 15.81% | 135.16%-119.3pp | 420.54%-404.7pp | 35.67%-19.9pp |
| Employer contribution / active EE | $1,118 | $3,717-69.9% | $4,932-77.3% | $2,757-59.5% |
| Participant deferral / active EE | $2,104 | $6,652-68.4% | $8,065-73.9% | $4,300-51.1% |
| Admin fee / account holder | $1,743 | $7,953-78.1% | $12,993-86.6% | $6,925-74.8% |