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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 | $20,968 | $107,079-80.4% | $151,266-86.1% | $87,485-76.0% |
| Participation rate | 28.6% | 71.1%-42.5pp | 77.0%-48.4pp | 68.9%-40.4pp |
| Annual return | 19.37% | 22.17%-2.8pp | 180.60%-161.2pp | 26.06%-6.7pp |
| Employer contribution / active EE | $692 | $3,174-78.2% | $4,237-83.7% | $2,596-73.3% |
| Participant deferral / active EE | $1,451 | $5,789-74.9% | $7,337-80.2% | $4,274-66.0% |
| Admin fee / account holder | $1,086 | $8,059-86.5% | $13,159-91.7% | $7,775-86.0% |