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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 | $14,036 | $75,183-81.3% | $123,894-88.7% | $55,167-74.6% |
| Participation rate | 38.3% | 72.8%-34.6pp | 81.4%-43.2pp | 69.0%-30.7pp |
| Annual return | 15.41% | 19.01%-3.6pp | 47.52%-32.1pp | 169.23%-153.8pp |
| Employer contribution / active EE | $540 | $2,823-80.9% | $4,617-88.3% | $1,963-72.5% |
| Participant deferral / active EE | $2,287 | $5,084-55.0% | $5,984-61.8% | $3,054-25.1% |
| Admin fee / account holder | $9,082 | $663+1270.8% | $8,357+8.7% | $504+1702.3% |