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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 | $18,356 | $85,766-78.6% | $136,298-86.5% | $70,126-73.8% |
| Participation rate | 42.4% | 74.2%-31.7pp | 81.9%-39.5pp | 69.5%-27.1pp |
| Annual return | 16.55% | 31.46%-14.9pp | 5156.27%-5139.7pp | 73.15%-56.6pp |
| Employer contribution / active EE | $829 | $2,966-72.0% | $4,696-82.3% | $2,343-64.6% |
| Participant deferral / active EE | $1,796 | $5,051-64.4% | $6,247-71.3% | $3,332-46.1% |
| Admin fee / account holder | $1,424 | $5,421-73.7% | $9,244-84.6% | $4,645-69.3% |