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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 | $18,325 | $117,829-84.4% | $102,423-82.1% | $145,877-87.4% |
| Participation rate | 44.4% | 78.6%-34.2pp | 76.5%-32.1pp | 80.3%-35.9pp |
| Annual return | 17.34% | 31.83%-14.5pp | 29.42%-12.1pp | 551.28%-533.9pp |
| Employer contribution / active EE | $956 | $3,615-73.5% | $3,023-68.4% | $4,663-79.5% |
| Participant deferral / active EE | $970 | $5,732-83.1% | $5,054-80.8% | $6,691-85.5% |
| Admin fee / account holder | $848 | $13,335-93.6% | $9,455-91.0% | $13,402-93.7% |