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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 | $16,327 | $55,457-70.6% | $77,361-78.9% | $94,015-82.6% |
| Participation rate | 52.8% | 69.8%-17.0pp | 75.0%-22.1pp | 70.8%-18.0pp |
| Annual return | 12.44% | 15.57%-3.1pp | 1011.54%-999.1pp | 17.84%-5.4pp |
| Employer contribution / active EE | $598 | $2,255-73.5% | $2,990-80.0% | $2,790-78.6% |
| Participant deferral / active EE | $1,027 | $3,069-66.5% | $3,911-73.7% | $4,249-75.8% |
| Admin fee / account holder | $1,103 | $4,334-74.6% | $5,894-81.3% | $8,951-87.7% |