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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 | $17,181 | $89,367-80.8% | $141,191-87.8% | $72,975-76.5% |
| Participation rate | 63.4% | 75.1%-11.7pp | 82.5%-19.1pp | 69.5%-6.1pp |
| Annual return | 22.54% | 111.87%-89.3pp | 71.41%-48.9pp | 81.01%-58.5pp |
| Employer contribution / active EE | $687 | $3,115-77.9% | $4,736-85.5% | $2,440-71.8% |
| Participant deferral / active EE | $866 | $5,419-84.0% | $6,710-87.1% | $3,608-76.0% |
| Admin fee / account holder | $1,389 | $5,957-76.7% | $10,264-86.5% | $5,124-72.9% |