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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 | $15,313 | $105,200-85.4% | $159,474-90.4% | $85,847-82.2% |
| Participation rate | 63.4% | 75.8%-12.4pp | 82.8%-19.4pp | 69.3%-5.9pp |
| Annual return | 14.74% | 45.08%-30.3pp | 263.68%-248.9pp | 318.61%-303.9pp |
| Employer contribution / active EE | $730 | $3,319-78.0% | $4,831-84.9% | $2,565-71.5% |
| Participant deferral / active EE | $1,292 | $5,946-78.3% | $7,353-82.4% | $3,952-67.3% |
| Admin fee / account holder | $934 | $6,934-86.5% | $10,802-91.4% | $6,261-85.1% |