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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 | $19,856 | $79,209-74.9% | $102,434-80.6% | $74,459-73.3% |
| Participation rate | 46.6% | 74.8%-28.2pp | 76.5%-30.0pp | 67.2%-20.7pp |
| Annual return | 13.92% | 54.98%-41.1pp | 29.46%-15.5pp | 1369.70%-1355.8pp |
| Employer contribution / active EE | $1,091 | $2,362-53.8% | $3,023-63.9% | $2,626-58.4% |
| Participant deferral / active EE | $2,137 | $4,417-51.6% | $5,055-57.7% | $4,350-50.9% |
| Admin fee / account holder | $379 | $2,002-81.1% | $9,462-96.0% | $1,945-80.5% |