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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 | $15,177 | $105,198-85.6% | $159,455-90.5% | $85,856-82.3% |
| Participation rate | 47.7% | 75.8%-28.1pp | 82.8%-35.1pp | 69.3%-21.6pp |
| Annual return | 18.96% | 45.08%-26.1pp | 263.63%-244.7pp | 318.58%-299.6pp |
| Employer contribution / active EE | $839 | $3,319-74.7% | $4,830-82.6% | $2,565-67.3% |
| Participant deferral / active EE | $2,418 | $5,946-59.3% | $7,353-67.1% | $3,952-38.8% |
| Admin fee / account holder | $1,469 | $6,934-78.8% | $10,800-86.4% | $6,261-76.5% |