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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 | $23,955 | $79,181-69.7% | $102,423-76.6% | $74,429-67.8% |
| Participation rate | 49.2% | 74.8%-25.6pp | 76.5%-27.3pp | 67.2%-18.0pp |
| Annual return | 18.46% | 54.97%-36.5pp | 29.42%-11.0pp | 1368.38%-1349.9pp |
| Employer contribution / active EE | $1,621 | $2,362-31.4% | $3,023-46.4% | $2,625-38.3% |
| Participant deferral / active EE | $2,065 | $4,416-53.2% | $5,054-59.1% | $4,348-52.5% |
| Admin fee / account holder | $3,128 | $2,002+56.3% | $9,455-66.9% | $1,944+60.9% |