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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 | $16,109 | $88,672-81.8% | $105,223-84.7% | $82,448-80.5% |
| Participation rate | 55.2% | 67.9%-12.8pp | 75.0%-19.9pp | 68.1%-12.9pp |
| Annual return | 19.17% | 30.86%-11.7pp | 180.65%-161.5pp | 41.64%-22.5pp |
| Employer contribution / active EE | $1,204 | $3,048-60.5% | $3,689-67.4% | $2,551-52.8% |
| Participant deferral / active EE | $1,633 | $4,036-59.5% | $5,072-67.8% | $4,139-60.5% |
| Admin fee / account holder | $2,053 | $7,146-71.3% | $8,859-76.8% | $7,234-71.6% |