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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 | $23,632 | $102,422-76.9% | $147,117-83.9% | $80,959-70.8% |
| Participation rate | 43.4% | 75.9%-32.5pp | 82.2%-38.8pp | 67.7%-24.3pp |
| Annual return | 20.04% | 135.16%-115.1pp | 420.54%-400.5pp | 35.67%-15.6pp |
| Employer contribution / active EE | $1,067 | $3,717-71.3% | $4,932-78.4% | $2,757-61.3% |
| Participant deferral / active EE | $2,356 | $6,652-64.6% | $8,065-70.8% | $4,300-45.2% |
| Admin fee / account holder | $777 | $7,953-90.2% | $12,993-94.0% | $6,925-88.8% |