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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 | $20,352 | $79,223-74.3% | $102,460-80.1% | $74,478-72.7% |
| Participation rate | 39.4% | 74.8%-35.3pp | 76.5%-37.1pp | 67.2%-27.8pp |
| Annual return | 21.82% | 54.98%-33.2pp | 29.47%-7.6pp | 1370.56%-1348.7pp |
| Employer contribution / active EE | $949 | $2,363-59.8% | $3,025-68.6% | $2,626-63.8% |
| Participant deferral / active EE | $1,986 | $4,417-55.0% | $5,056-60.7% | $4,350-54.4% |
| Admin fee / account holder | $2,175 | $2,003+8.6% | $9,460-77.0% | $1,946+11.8% |