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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 | $15,624 | $102,422-84.7% | $147,117-89.4% | $80,959-80.7% |
| Participation rate | 63.3% | 75.9%-12.5pp | 82.2%-18.9pp | 67.7%-4.3pp |
| Annual return | 17.28% | 135.16%-117.9pp | 420.54%-403.3pp | 35.67%-18.4pp |
| Employer contribution / active EE | $896 | $3,717-75.9% | $4,932-81.8% | $2,757-67.5% |
| Participant deferral / active EE | $2,295 | $6,652-65.5% | $8,065-71.5% | $4,300-46.6% |
| Admin fee / account holder | $1,460 | $7,953-81.6% | $12,993-88.8% | $6,925-78.9% |