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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 | $16,097 | $89,364-82.0% | $141,177-88.6% | $72,983-77.9% |
| Participation rate | 37.5% | 75.1%-37.6pp | 82.5%-45.0pp | 69.5%-32.0pp |
| Annual return | 25.77% | 111.86%-86.1pp | 71.40%-45.6pp | 81.01%-55.2pp |
| Employer contribution / active EE | $642 | $3,115-79.4% | $4,736-86.4% | $2,440-73.7% |
| Participant deferral / active EE | $1,332 | $5,419-75.4% | $6,710-80.2% | $3,608-63.1% |
| Admin fee / account holder | $2,022 | $5,959-66.1% | $10,263-80.3% | $5,124-60.5% |