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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 | $24,718 | $91,424-73.0% | $135,942-81.8% | $71,495-65.4% |
| Participation rate | 17.2% | 75.7%-58.4pp | 81.9%-64.7pp | 67.9%-50.7pp |
| Annual return | 64.58% | 29.90%+34.7pp | 68.28%-3.7pp | 28.85%+35.7pp |
| Employer contribution / active EE | $1,114 | $3,704-69.9% | $4,858-77.1% | $2,589-57.0% |
| Participant deferral / active EE | $0 | $7,092-100.0% | $7,759-100.0% | $4,291-100.0% |
| Admin fee / account holder | $628 | $1,266-50.4% | $10,764-94.2% | $1,588-60.5% |