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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 | $29,476 | $79,209-62.8% | $102,434-71.2% | $74,459-60.4% |
| Participation rate | 55.1% | 74.8%-19.7pp | 76.5%-21.4pp | 67.2%-12.1pp |
| Annual return | 13.76% | 54.98%-41.2pp | 29.46%-15.7pp | 1369.70%-1355.9pp |
| Employer contribution / active EE | $836 | $2,362-64.6% | $3,023-72.4% | $2,626-68.2% |
| Participant deferral / active EE | $1,330 | $4,417-69.9% | $5,055-73.7% | $4,350-69.4% |
| Admin fee / account holder | $7,124 | $2,002+255.9% | $9,462-24.7% | $1,945+266.3% |