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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 | $20,189 | $73,532-72.5% | $178,505-88.7% | $74,478-72.9% |
| Participation rate | 36.5% | 66.6%-30.1pp | 77.1%-40.6pp | 67.2%-30.7pp |
| Annual return | 20.20% | 17.49%+2.7pp | 27.16%-7.0pp | 1370.56%-1350.4pp |
| Employer contribution / active EE | $1,007 | $2,221-54.7% | $3,955-74.5% | $2,626-61.7% |
| Participant deferral / active EE | $1,675 | $4,519-62.9% | $6,280-73.3% | $4,350-61.5% |
| Admin fee / account holder | $316 | $1,813-82.6% | $10,428-97.0% | $1,946-83.8% |