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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 | $17,970 | $75,183-76.1% | $123,894-85.5% | $55,167-67.4% |
| Participation rate | 42.9% | 72.8%-30.0pp | 81.4%-38.6pp | 69.0%-26.1pp |
| Annual return | 16.70% | 19.01%-2.3pp | 47.52%-30.8pp | 169.23%-152.5pp |
| Employer contribution / active EE | $1,180 | $2,823-58.2% | $4,617-74.4% | $1,963-39.9% |
| Participant deferral / active EE | $2,069 | $5,084-59.3% | $5,984-65.4% | $3,054-32.3% |
| Admin fee / account holder | $621 | $663-6.2% | $8,357-92.6% | $504+23.3% |