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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 | $16,427 | $48,364-66.0% | $71,796-77.1% | $62,881-73.9% |
| Participation rate | 49.2% | 60.6%-11.4pp | 69.1%-19.9pp | 69.3%-20.1pp |
| Annual return | 5.76% | 13.16%-7.4pp | 78.04%-72.3pp | 20.14%-14.4pp |
| Employer contribution / active EE | $584 | $1,042-44.0% | $1,924-69.7% | $2,281-74.4% |
| Participant deferral / active EE | $820 | $2,091-60.8% | $2,794-70.7% | $3,203-74.4% |
| Admin fee / account holder | $1,995 | $3,771-47.1% | $4,815-58.6% | $4,296-53.6% |