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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 | $20,142 | $89,364-77.5% | $141,177-85.7% | $72,983-72.4% |
| Participation rate | 49.2% | 75.1%-25.9pp | 82.5%-33.3pp | 69.5%-20.3pp |
| Annual return | 27.59% | 111.86%-84.3pp | 71.40%-43.8pp | 81.01%-53.4pp |
| Employer contribution / active EE | $1,050 | $3,115-66.3% | $4,736-77.8% | $2,440-57.0% |
| Participant deferral / active EE | $1,975 | $5,419-63.5% | $6,710-70.6% | $3,608-45.2% |
| Admin fee / account holder | $3,118 | $5,959-47.7% | $10,263-69.6% | $5,124-39.1% |