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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 | $12,730 | $91,559-86.1% | $133,959-90.5% | $79,858-84.1% |
| Participation rate | 47.3% | 73.3%-26.1pp | 79.8%-32.6pp | 69.6%-22.4pp |
| Annual return | 14.13% | 61.85%-47.7pp | 45.09%-31.0pp | 31.72%-17.6pp |
| Employer contribution / active EE | $1,015 | $2,384-57.4% | $3,919-74.1% | $2,471-58.9% |
| Participant deferral / active EE | $1,510 | $3,734-59.6% | $5,047-70.1% | $3,740-59.6% |
| Admin fee / account holder | $1,791 | $6,321-71.7% | $8,928-79.9% | $5,306-66.2% |