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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 | $13,885 | $88,672-84.3% | $105,223-86.8% | $82,448-83.2% |
| Participation rate | 27.6% | 67.9%-40.3pp | 75.0%-47.5pp | 68.1%-40.5pp |
| Annual return | 22.47% | 30.86%-8.4pp | 180.65%-158.2pp | 41.64%-19.2pp |
| Employer contribution / active EE | $936 | $3,048-69.3% | $3,689-74.6% | $2,551-63.3% |
| Participant deferral / active EE | $1,250 | $4,036-69.0% | $5,072-75.3% | $4,139-69.8% |
| Admin fee / account holder | $3,394 | $7,146-52.5% | $8,859-61.7% | $7,234-53.1% |