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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 | $12,874 | $77,164-83.3% | $178,014-92.8% | $80,874-84.1% |
| Participation rate | 52.6% | 65.7%-13.1pp | 77.1%-24.5pp | 67.6%-15.0pp |
| Annual return | 13.86% | 18.09%-4.2pp | 294.80%-280.9pp | 35.62%-21.8pp |
| Employer contribution / active EE | $628 | $2,288-72.6% | $3,950-84.1% | $2,756-77.2% |
| Participant deferral / active EE | $1,034 | $4,408-76.6% | $6,276-83.5% | $4,297-75.9% |
| Admin fee / account holder | $1,765 | $7,164-75.4% | $10,362-83.0% | $6,935-74.5% |