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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 | $16,863 | $102,385-83.5% | $147,080-88.5% | $80,935-79.2% |
| Participation rate | 60.5% | 75.9%-15.3pp | 82.2%-21.7pp | 67.7%-7.1pp |
| Annual return | 14.18% | 135.09%-120.9pp | 420.17%-406.0pp | 35.66%-21.5pp |
| Employer contribution / active EE | $1,741 | $3,717-53.2% | $4,933-64.7% | $2,757-36.9% |
| Participant deferral / active EE | $2,605 | $6,651-60.8% | $8,066-67.7% | $4,299-39.4% |
| Admin fee / account holder | $1,752 | $7,951-78.0% | $12,989-86.5% | $6,924-74.7% |