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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 | $12,220 | $98,760-87.6% | $149,715-91.8% | $79,858-84.7% |
| Participation rate | 55.9% | 75.8%-19.9pp | 82.5%-26.6pp | 69.6%-13.8pp |
| Annual return | 20.83% | 27.43%-6.6pp | 276.66%-255.8pp | 31.72%-10.9pp |
| Employer contribution / active EE | $939 | $3,217-70.8% | $4,645-79.8% | $2,471-62.0% |
| Participant deferral / active EE | $1,681 | $5,681-70.4% | $6,842-75.4% | $3,740-55.1% |
| Admin fee / account holder | $432 | $6,053-92.9% | $9,310-95.4% | $5,306-91.9% |