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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 | $16,213 | $89,364-81.9% | $141,177-88.5% | $72,983-77.8% |
| Participation rate | 47.0% | 75.1%-28.2pp | 82.5%-35.5pp | 69.5%-22.5pp |
| Annual return | 29.66% | 111.86%-82.2pp | 71.40%-41.7pp | 81.01%-51.3pp |
| Employer contribution / active EE | $974 | $3,115-68.7% | $4,736-79.4% | $2,440-60.1% |
| Participant deferral / active EE | $2,116 | $5,419-60.9% | $6,710-68.5% | $3,608-41.3% |
| Admin fee / account holder | $325 | $5,959-94.5% | $10,263-96.8% | $5,124-93.7% |