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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 | $18,562 | $99,994-81.4% | $146,643-87.3% | $85,847-78.4% |
| Participation rate | 22.2% | 73.1%-50.8pp | 80.1%-57.9pp | 69.3%-47.1pp |
| Annual return | 15.39% | 18.93%-3.5pp | 22.75%-7.4pp | 318.61%-303.2pp |
| Employer contribution / active EE | $932 | $2,559-63.6% | $4,137-77.5% | $2,565-63.7% |
| Participant deferral / active EE | $1,173 | $4,006-70.7% | $5,506-78.7% | $3,952-70.3% |
| Admin fee / account holder | $559 | $7,703-92.7% | $10,280-94.6% | $6,261-91.1% |