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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 | $18,194 | $98,766-81.6% | $149,730-87.8% | $79,852-77.2% |
| Participation rate | 37.9% | 75.8%-37.9pp | 82.5%-44.6pp | 69.6%-31.8pp |
| Annual return | 17.29% | 27.43%-10.1pp | 276.70%-259.4pp | 31.72%-14.4pp |
| Employer contribution / active EE | $758 | $3,217-76.4% | $4,645-83.7% | $2,471-69.3% |
| Participant deferral / active EE | $2,326 | $5,681-59.1% | $6,843-66.0% | $3,740-37.8% |
| Admin fee / account holder | $1,586 | $6,052-73.8% | $9,310-83.0% | $5,306-70.1% |