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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 | $22,805 | $102,429-77.7% | $147,096-84.5% | $80,925-71.8% |
| Participation rate | 38.2% | 75.9%-37.7pp | 82.2%-44.0pp | 67.7%-29.5pp |
| Annual return | 13.78% | 135.02%-121.2pp | 419.75%-406.0pp | 35.65%-21.9pp |
| Employer contribution / active EE | $1,040 | $3,716-72.0% | $4,936-78.9% | $2,756-62.3% |
| Participant deferral / active EE | $2,450 | $6,649-63.2% | $8,071-69.6% | $4,299-43.0% |
| Admin fee / account holder | $11,998 | $7,957+50.8% | $13,005-7.7% | $6,940+72.9% |