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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 | $17,589 | $105,210-83.3% | $159,487-89.0% | $85,851-79.5% |
| Participation rate | 56.4% | 75.8%-19.4pp | 82.8%-26.5pp | 69.3%-13.0pp |
| Annual return | 35.32% | 45.08%-9.8pp | 263.71%-228.4pp | 318.63%-283.3pp |
| Employer contribution / active EE | $1,305 | $3,319-60.7% | $4,831-73.0% | $2,565-49.1% |
| Participant deferral / active EE | $2,434 | $5,946-59.1% | $7,354-66.9% | $3,952-38.4% |
| Admin fee / account holder | $2,918 | $6,934-57.9% | $10,804-73.0% | $6,261-53.4% |