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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 | $15,971 | $124,330-87.2% | $109,173-85.4% | $167,536-90.5% |
| Participation rate | 60.9% | 79.5%-18.6pp | 75.9%-15.0pp | 82.1%-21.2pp |
| Annual return | 16.90% | 26.04%-9.1pp | 25.75%-8.9pp | 478.82%-461.9pp |
| Employer contribution / active EE | $1,131 | $4,209-73.1% | $3,723-69.6% | $4,839-76.6% |
| Participant deferral / active EE | $1,087 | $5,256-79.3% | $4,654-76.6% | $6,342-82.9% |
| Admin fee / account holder | $1,224 | $7,974-84.7% | $6,755-81.9% | $12,315-90.1% |