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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 | $20,552 | $86,294-76.2% | $111,303-81.5% | $85,856-76.1% |
| Participation rate | 52.6% | 73.3%-20.7pp | 77.3%-24.7pp | 69.3%-16.7pp |
| Annual return | 13.55% | 19.99%-6.4pp | 54.66%-41.1pp | 318.58%-305.0pp |
| Employer contribution / active EE | $659 | $2,043-67.8% | $2,731-75.9% | $2,565-74.3% |
| Participant deferral / active EE | $1,070 | $3,641-70.6% | $4,487-76.1% | $3,952-72.9% |
| Admin fee / account holder | $3,039 | $8,189-62.9% | $7,966-61.8% | $6,261-51.5% |