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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 | $20,946 | $102,422-79.5% | $147,117-85.8% | $80,959-74.1% |
| Participation rate | 42.3% | 75.9%-33.6pp | 82.2%-39.9pp | 67.7%-25.4pp |
| Annual return | 29.76% | 135.16%-105.4pp | 420.54%-390.8pp | 35.67%-5.9pp |
| Employer contribution / active EE | $930 | $3,717-75.0% | $4,932-81.1% | $2,757-66.3% |
| Participant deferral / active EE | $1,811 | $6,652-72.8% | $8,065-77.5% | $4,300-57.9% |
| Admin fee / account holder | $4,178 | $7,953-47.5% | $12,993-67.8% | $6,925-39.7% |