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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 | $19,763 | $68,398-71.1% | $94,664-79.1% | $75,173-73.7% |
| Participation rate | 60.5% | 76.1%-15.6pp | 80.8%-20.4pp | 67.2%-6.7pp |
| Annual return | 18.84% | 616.72%-597.9pp | 156.84%-138.0pp | 160.72%-141.9pp |
| Employer contribution / active EE | $645 | $2,701-76.1% | $3,673-82.4% | $2,671-75.8% |
| Participant deferral / active EE | $1,677 | $6,537-74.3% | $7,417-77.4% | $4,126-59.4% |
| Admin fee / account holder | $1,580 | $5,324-70.3% | $7,222-78.1% | $5,651-72.0% |