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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 | $10,641 | $91,559-88.4% | $133,971-92.1% | $79,852-86.7% |
| Participation rate | 40.4% | 73.3%-33.0pp | 79.8%-39.5pp | 69.6%-29.3pp |
| Annual return | 28.18% | 61.85%-33.7pp | 45.09%-16.9pp | 31.72%-3.5pp |
| Employer contribution / active EE | $645 | $2,384-72.9% | $3,919-83.5% | $2,471-73.9% |
| Participant deferral / active EE | $1,072 | $3,734-71.3% | $5,047-78.8% | $3,740-71.3% |
| Admin fee / account holder | $553 | $6,321-91.2% | $8,929-93.8% | $5,306-89.6% |