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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 | $13,816 | $91,559-84.9% | $133,971-89.7% | $79,852-82.7% |
| Participation rate | 53.3% | 73.3%-20.0pp | 79.8%-26.5pp | 69.6%-16.3pp |
| Annual return | 22.05% | 61.85%-39.8pp | 45.09%-23.0pp | 31.72%-9.7pp |
| Employer contribution / active EE | $934 | $2,384-60.8% | $3,919-76.2% | $2,471-62.2% |
| Participant deferral / active EE | $934 | $3,734-75.0% | $5,047-81.5% | $3,740-75.0% |
| Admin fee / account holder | $661 | $6,321-89.5% | $8,929-92.6% | $5,306-87.5% |