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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 | $12,681 | $77,638-83.7% | $156,551-91.9% | $62,881-79.8% |
| Participation rate | 59.5% | 71.2%-11.7pp | 84.0%-24.6pp | 69.3%-9.8pp |
| Annual return | 6.72% | 50.33%-43.6pp | 32.23%-25.5pp | 20.14%-13.4pp |
| Employer contribution / active EE | $560 | $3,444-83.7% | $5,501-89.8% | $2,281-75.4% |
| Participant deferral / active EE | $691 | $3,046-77.3% | $4,871-85.8% | $3,203-78.4% |
| Admin fee / account holder | $1,118 | $5,561-79.9% | $13,028-91.4% | $4,296-74.0% |