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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 | $18,531 | $78,529-76.4% | $105,591-82.5% | $74,400-75.1% |
| Participation rate | 42.5% | 72.8%-30.3pp | 75.3%-32.8pp | 67.2%-24.8pp |
| Annual return | 13.20% | 15.94%-2.7pp | 116.43%-103.2pp | 1367.51%-1354.3pp |
| Employer contribution / active EE | $1,027 | $2,522-59.3% | $3,166-67.6% | $2,624-60.9% |
| Participant deferral / active EE | $1,572 | $4,321-63.6% | $5,008-68.6% | $4,348-63.9% |
| Admin fee / account holder | $4,028 | $2,216+81.8% | $11,024-63.5% | $1,944+107.2% |