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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 | $16,611 | $77,164-78.5% | $178,014-90.7% | $80,874-79.5% |
| Participation rate | 21.3% | 65.7%-44.4pp | 77.1%-55.8pp | 67.6%-46.4pp |
| Annual return | 13.65% | 18.09%-4.4pp | 294.80%-281.2pp | 35.62%-22.0pp |
| Employer contribution / active EE | $560 | $2,288-75.5% | $3,950-85.8% | $2,756-79.7% |
| Participant deferral / active EE | $749 | $4,408-83.0% | $6,276-88.1% | $4,297-82.6% |
| Admin fee / account holder | $5,312 | $7,164-25.9% | $10,362-48.7% | $6,935-23.4% |