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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 | $22,598 | $98,766-77.1% | $149,730-84.9% | $79,852-71.7% |
| Participation rate | 27.6% | 75.8%-48.2pp | 82.5%-54.9pp | 69.6%-42.1pp |
| Annual return | 20.53% | 27.43%-6.9pp | 276.70%-256.2pp | 31.72%-11.2pp |
| Employer contribution / active EE | $1,401 | $3,217-56.4% | $4,645-69.8% | $2,471-43.3% |
| Participant deferral / active EE | $1,689 | $5,681-70.3% | $6,843-75.3% | $3,740-54.8% |
| Admin fee / account holder | $5,224 | $6,052-13.7% | $9,310-43.9% | $5,306-1.5% |