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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 | $11,292 | $75,183-85.0% | $123,894-90.9% | $55,167-79.5% |
| Participation rate | 53.4% | 72.8%-19.4pp | 81.4%-28.0pp | 69.0%-15.5pp |
| Annual return | 49.63% | 19.01%+30.6pp | 47.52%+2.1pp | 169.23%-119.6pp |
| Employer contribution / active EE | $1,086 | $2,823-61.5% | $4,617-76.5% | $1,963-44.7% |
| Participant deferral / active EE | $2,138 | $5,084-58.0% | $5,984-64.3% | $3,054-30.0% |
| Admin fee / account holder | $537 | $663-19.0% | $8,357-93.6% | $504+6.5% |