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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 | $12,001 | $43,749-72.6% | $158,223-92.4% | $65,306-81.6% |
| Participation rate | 29.0% | 56.9%-27.9pp | 79.2%-50.2pp | 57.7%-28.6pp |
| Annual return | 10.81% | 19.41%-8.6pp | 52.09%-41.3pp | 21.94%-11.1pp |
| Employer contribution / active EE | $403 | $1,497-73.1% | $4,109-90.2% | $1,967-79.5% |
| Participant deferral / active EE | $651 | $2,019-67.8% | $5,467-88.1% | $2,959-78.0% |
| Admin fee / account holder | $472 | $1,930-75.6% | $16,047-97.1% | $3,480-86.4% |