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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 | $14,927 | $65,566-77.2% | $86,235-82.7% | $75,177-80.1% |
| Participation rate | 24.6% | 60.5%-35.9pp | 69.0%-44.4pp | 67.2%-42.6pp |
| Annual return | 22.22% | 46.07%-23.9pp | 1170.03%-1147.8pp | 160.75%-138.5pp |
| Employer contribution / active EE | $505 | $1,553-67.5% | $2,381-78.8% | $2,671-81.1% |
| Participant deferral / active EE | $1,090 | $3,023-63.9% | $3,987-72.7% | $4,126-73.6% |
| Admin fee / account holder | $502 | $5,470-90.8% | $6,856-92.7% | $5,651-91.1% |