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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 | $15,553 | $65,395-76.2% | $182,531-91.5% | $72,983-78.7% |
| Participation rate | 28.9% | 65.4%-36.5pp | 78.0%-49.0pp | 69.5%-40.5pp |
| Annual return | 19.54% | 27.68%-8.1pp | 148.57%-129.0pp | 81.01%-61.5pp |
| Employer contribution / active EE | $468 | $1,911-75.5% | $4,075-88.5% | $2,440-80.8% |
| Participant deferral / active EE | $836 | $3,563-76.5% | $5,525-84.9% | $3,608-76.8% |
| Admin fee / account holder | $2,035 | $4,245-52.0% | $8,593-76.3% | $5,124-60.3% |