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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 | $12,074 | $85,171-85.8% | $172,753-93.0% | $72,976-83.5% |
| Participation rate | 23.3% | 70.1%-46.7pp | 82.6%-59.3pp | 69.5%-46.2pp |
| Annual return | 21.51% | 27.32%-5.8pp | 803.00%-781.5pp | 81.02%-59.5pp |
| Employer contribution / active EE | $581 | $3,324-82.5% | $5,144-88.7% | $2,440-76.2% |
| Participant deferral / active EE | $684 | $3,260-79.0% | $5,198-86.8% | $3,608-81.0% |
| Admin fee / account holder | $1,408 | $5,880-76.1% | $13,956-89.9% | $5,124-72.5% |