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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 | $20,631 | $89,364-76.9% | $141,177-85.4% | $72,983-71.7% |
| Participation rate | 38.2% | 75.1%-36.9pp | 82.5%-44.3pp | 69.5%-31.3pp |
| Annual return | 22.54% | 111.86%-89.3pp | 71.40%-48.9pp | 81.01%-58.5pp |
| Employer contribution / active EE | $866 | $3,115-72.2% | $4,736-81.7% | $2,440-64.5% |
| Participant deferral / active EE | $718 | $5,419-86.8% | $6,710-89.3% | $3,608-80.1% |
| Admin fee / account holder | $1,044 | $5,959-82.5% | $10,263-89.8% | $5,124-79.6% |