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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 | $28,004 | $79,209-64.6% | $102,434-72.7% | $74,459-62.4% |
| Participation rate | 31.9% | 74.8%-42.9pp | 76.5%-44.7pp | 67.2%-35.4pp |
| Annual return | 12.21% | 54.98%-42.8pp | 29.46%-17.3pp | 1369.70%-1357.5pp |
| Employer contribution / active EE | $926 | $2,362-60.8% | $3,023-69.4% | $2,626-64.7% |
| Participant deferral / active EE | $2,059 | $4,417-53.4% | $5,055-59.3% | $4,350-52.7% |
| Admin fee / account holder | $3,557 | $2,002+77.7% | $9,462-62.4% | $1,945+82.9% |