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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 | $24,072 | $102,385-76.5% | $147,080-83.6% | $80,935-70.3% |
| Participation rate | 38.2% | 75.9%-37.7pp | 82.2%-44.0pp | 67.7%-29.5pp |
| Annual return | 14.04% | 135.09%-121.1pp | 420.17%-406.1pp | 35.66%-21.6pp |
| Employer contribution / active EE | $1,874 | $3,717-49.6% | $4,933-62.0% | $2,757-32.0% |
| Participant deferral / active EE | $1,406 | $6,651-78.9% | $8,066-82.6% | $4,299-67.3% |
| Admin fee / account holder | $3,595 | $7,951-54.8% | $12,989-72.3% | $6,924-48.1% |