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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 | $13,028 | $102,429-87.3% | $147,096-91.1% | $80,925-83.9% |
| Participation rate | 62.9% | 75.9%-13.0pp | 82.2%-19.3pp | 67.7%-4.8pp |
| Annual return | 12.71% | 135.02%-122.3pp | 419.75%-407.0pp | 35.65%-22.9pp |
| Employer contribution / active EE | $916 | $3,716-75.3% | $4,936-81.4% | $2,756-66.8% |
| Participant deferral / active EE | $2,555 | $6,649-61.6% | $8,071-68.3% | $4,299-40.6% |
| Admin fee / account holder | $2,765 | $7,957-65.2% | $13,005-78.7% | $6,940-60.2% |