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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 | $21,976 | $83,061-73.5% | $126,068-82.6% | $94,015-76.6% |
| Participation rate | 44.8% | 81.2%-36.3pp | 84.7%-39.9pp | 70.8%-26.0pp |
| Annual return | 51.57% | 20.41%+31.2pp | 15.01%+36.6pp | 17.84%+33.7pp |
| Employer contribution / active EE | $31 | $2,864-98.9% | $3,968-99.2% | $2,790-98.9% |
| Participant deferral / active EE | $2,418 | $7,042-65.7% | $8,214-70.6% | $4,249-43.1% |
| Admin fee / account holder | $6,162 | $7,208-14.5% | $18,264-66.3% | $8,951-31.2% |