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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 | $13,183 | $98,760-86.7% | $149,715-91.2% | $79,858-83.5% |
| Participation rate | 47.8% | 75.8%-28.0pp | 82.5%-34.7pp | 69.6%-21.9pp |
| Annual return | 13.71% | 27.43%-13.7pp | 276.66%-262.9pp | 31.72%-18.0pp |
| Employer contribution / active EE | $608 | $3,217-81.1% | $4,645-86.9% | $2,471-75.4% |
| Participant deferral / active EE | $1,857 | $5,681-67.3% | $6,842-72.9% | $3,740-50.3% |
| Admin fee / account holder | $680 | $6,053-88.8% | $9,310-92.7% | $5,306-87.2% |