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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 | $21,476 | $89,370-76.0% | $141,197-84.8% | $72,976-70.6% |
| Participation rate | 40.0% | 75.1%-35.1pp | 82.5%-42.5pp | 69.5%-29.5pp |
| Annual return | 29.15% | 111.88%-82.7pp | 71.41%-42.3pp | 81.02%-51.9pp |
| Employer contribution / active EE | $1,137 | $3,115-63.5% | $4,736-76.0% | $2,440-53.4% |
| Participant deferral / active EE | $2,293 | $5,419-57.7% | $6,710-65.8% | $3,608-36.4% |
| Admin fee / account holder | $393 | $5,957-93.4% | $10,265-96.2% | $5,124-92.3% |