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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 | $14,499 | $86,298-83.2% | $111,308-87.0% | $85,847-83.1% |
| Participation rate | 48.2% | 73.3%-25.1pp | 77.3%-29.1pp | 69.3%-21.1pp |
| Annual return | 33.67% | 19.99%+13.7pp | 54.67%-21.0pp | 318.61%-284.9pp |
| Employer contribution / active EE | $976 | $2,044-52.2% | $2,732-64.3% | $2,565-61.9% |
| Participant deferral / active EE | $1,441 | $3,641-60.4% | $4,487-67.9% | $3,952-63.5% |
| Admin fee / account holder | $683 | $8,189-91.7% | $7,965-91.4% | $6,261-89.1% |