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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 | $18,664 | $99,957-81.3% | $149,745-87.5% | $73,497-74.6% |
| Participation rate | 50.4% | 75.7%-25.3pp | 82.5%-32.1pp | 70.7%-20.3pp |
| Annual return | 26.03% | 53.87%-27.8pp | 276.72%-250.7pp | 28.51%-2.5pp |
| Employer contribution / active EE | $730 | $3,191-77.1% | $4,646-84.3% | $2,270-67.8% |
| Participant deferral / active EE | $1,614 | $6,073-73.4% | $6,843-76.4% | $3,740-56.8% |
| Admin fee / account holder | $1,458 | $551+164.8% | $9,312-84.3% | $513+184.2% |