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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 | $24,513 | $81,208-69.8% | $98,920-75.2% | $79,856-69.3% |
| Participation rate | 37.0% | 72.5%-35.5pp | 76.0%-39.1pp | 69.6%-32.7pp |
| Annual return | 11.52% | 60.99%-49.5pp | 196.47%-185.0pp | 31.71%-20.2pp |
| Employer contribution / active EE | $1,032 | $1,960-47.4% | $2,689-61.6% | $2,471-58.3% |
| Participant deferral / active EE | $1,240 | $3,265-62.0% | $4,245-70.8% | $3,741-66.9% |
| Admin fee / account holder | $4,310 | $6,013-28.3% | $6,643-35.1% | $5,306-18.8% |