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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 | $12,867 | $70,666-81.8% | $169,369-92.4% | $75,173-82.9% |
| Participation rate | 38.6% | 64.8%-26.2pp | 77.2%-38.6pp | 67.2%-28.6pp |
| Annual return | 19.35% | 36.37%-17.0pp | 405.70%-386.4pp | 160.65%-141.3pp |
| Employer contribution / active EE | $604 | $2,210-72.6% | $4,011-84.9% | $2,670-77.4% |
| Participant deferral / active EE | $1,137 | $4,308-73.6% | $6,221-81.7% | $4,126-72.4% |
| Admin fee / account holder | $1,303 | $5,402-75.9% | $9,009-85.5% | $5,651-76.9% |