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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 | $16,376 | $65,084-74.8% | $67,681-75.8% | $64,340-74.5% |
| Participation rate | 39.2% | 66.7%-27.6pp | 73.7%-34.6pp | 55.2%-16.1pp |
| Annual return | 18.27% | 20.50%-2.2pp | 590.58%-572.3pp | 24.14%-5.9pp |
| Employer contribution / active EE | $1,053 | $2,398-56.1% | $2,678-60.7% | $1,862-43.4% |
| Participant deferral / active EE | $1,083 | $3,210-66.3% | $3,976-72.8% | $2,980-63.7% |
| Admin fee / account holder | $513 | $1,415-63.8% | $6,100-91.6% | $3,703-86.1% |