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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 | $12,736 | $59,448-78.6% | $93,696-86.4% | $74,459-82.9% |
| Participation rate | 20.0% | 59.6%-39.6pp | 68.7%-48.7pp | 67.2%-47.2pp |
| Annual return | 12.60% | 82.11%-69.5pp | 133.74%-121.1pp | 1369.70%-1357.1pp |
| Employer contribution / active EE | $382 | $1,266-69.9% | $2,422-84.2% | $2,626-85.5% |
| Participant deferral / active EE | $607 | $3,052-80.1% | $4,417-86.3% | $4,350-86.1% |
| Admin fee / account holder | $755 | $3,027-75.1% | $8,287-90.9% | $1,945-61.2% |