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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 | $12,463 | $65,027-80.8% | $90,970-86.3% | $79,852-84.4% |
| Participation rate | 38.9% | 61.6%-22.7pp | 69.0%-30.1pp | 69.6%-30.7pp |
| Annual return | 19.37% | 30.45%-11.1pp | 134.58%-115.2pp | 31.72%-12.3pp |
| Employer contribution / active EE | $655 | $1,247-47.5% | $2,122-69.2% | $2,471-73.5% |
| Participant deferral / active EE | $764 | $2,512-69.6% | $3,373-77.3% | $3,740-79.6% |
| Admin fee / account holder | $1,147 | $4,535-74.7% | $5,960-80.7% | $5,306-78.4% |