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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 | $14,164 | $53,583-73.6% | $114,563-87.6% | $64,340-78.0% |
| Participation rate | 20.9% | 47.4%-26.4pp | 72.9%-52.0pp | 55.2%-34.3pp |
| Annual return | 16.45% | 24.51%-8.1pp | 241.09%-224.6pp | 24.14%-7.7pp |
| Employer contribution / active EE | $302 | $1,087-72.2% | $2,592-88.4% | $1,862-83.8% |
| Participant deferral / active EE | $500 | $2,134-76.6% | $4,142-87.9% | $2,980-83.2% |
| Admin fee / account holder | $1,422 | $3,206-55.6% | $7,623-81.3% | $3,703-61.6% |