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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 | $13,249 | $70,684-81.3% | $169,397-92.2% | $75,177-82.4% |
| Participation rate | 58.1% | 64.8%-6.7pp | 77.2%-19.1pp | 67.2%-9.1pp |
| Annual return | 18.90% | 36.38%-17.5pp | 406.23%-387.3pp | 160.75%-141.8pp |
| Employer contribution / active EE | $606 | $2,211-72.6% | $4,013-84.9% | $2,671-77.3% |
| Participant deferral / active EE | $1,151 | $4,310-73.3% | $6,223-81.5% | $4,126-72.1% |
| Admin fee / account holder | $2,028 | $5,404-62.5% | $9,017-77.5% | $5,651-64.1% |