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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 | $17,747 | $58,828-69.8% | $78,002-77.2% | $62,881-71.8% |
| Participation rate | 59.6% | 71.1%-11.4pp | 75.5%-15.9pp | 69.3%-9.7pp |
| Annual return | 4.79% | 17.16%-12.4pp | 425.99%-421.2pp | 20.14%-15.4pp |
| Employer contribution / active EE | $764 | $1,672-54.3% | $2,470-69.1% | $2,281-66.5% |
| Participant deferral / active EE | $906 | $2,686-66.3% | $3,497-74.1% | $3,203-71.7% |
| Admin fee / account holder | $1,814 | $4,393-58.7% | $5,481-66.9% | $4,296-57.8% |