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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 | $26,027 | $91,525-71.6% | $130,026-80.0% | $75,181-65.4% |
| Participation rate | 45.5% | 71.4%-26.0pp | 78.5%-33.0pp | 67.2%-21.7pp |
| Annual return | 17.16% | -631.40%+648.6pp | -137.26%+154.4pp | 160.69%-143.5pp |
| Employer contribution / active EE | $989 | $2,844-65.2% | $4,321-77.1% | $2,671-63.0% |
| Participant deferral / active EE | $1,405 | $4,342-67.6% | $5,821-75.9% | $4,126-65.9% |
| Admin fee / account holder | $2,778 | $6,778-59.0% | $10,608-73.8% | $5,650-50.8% |