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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 | $14,856 | $78,682-81.1% | $109,188-86.4% | $85,851-82.7% |
| Participation rate | 25.8% | 68.3%-42.5pp | 75.9%-50.1pp | 69.3%-43.5pp |
| Annual return | 16.52% | 25.09%-8.6pp | 25.76%-9.2pp | 318.63%-302.1pp |
| Employer contribution / active EE | $845 | $2,734-69.1% | $3,723-77.3% | $2,565-67.1% |
| Participant deferral / active EE | $782 | $3,468-77.5% | $4,654-83.2% | $3,952-80.2% |
| Admin fee / account holder | $521 | $5,470-90.5% | $6,755-92.3% | $6,261-91.7% |