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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 | $15,598 | $110,212-85.8% | $96,534-83.8% | $139,466-88.8% |
| Participation rate | 47.8% | 78.1%-30.3pp | 76.0%-28.2pp | 80.3%-32.5pp |
| Annual return | 40.87% | 26.42%+14.4pp | 25.88%+15.0pp | 373.66%-332.8pp |
| Employer contribution / active EE | $1,379 | $3,620-61.9% | $2,965-53.5% | $4,754-71.0% |
| Participant deferral / active EE | $1,585 | $5,547-71.4% | $4,851-67.3% | $6,712-76.4% |
| Admin fee / account holder | $1,370 | $11,599-88.2% | $8,253-83.4% | $11,409-88.0% |