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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 | $21,259 | $102,422-79.2% | $147,117-85.5% | $80,959-73.7% |
| Participation rate | 57.5% | 75.9%-18.4pp | 82.2%-24.7pp | 67.7%-10.2pp |
| Annual return | 15.78% | 135.16%-119.4pp | 420.54%-404.8pp | 35.67%-19.9pp |
| Employer contribution / active EE | $1,058 | $3,717-71.5% | $4,932-78.5% | $2,757-61.6% |
| Participant deferral / active EE | $1,622 | $6,652-75.6% | $8,065-79.9% | $4,300-62.3% |
| Admin fee / account holder | $5,372 | $7,953-32.5% | $12,993-58.7% | $6,925-22.4% |