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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 | $18,948 | $98,776-80.8% | $149,745-87.3% | $79,856-76.3% |
| Participation rate | 52.9% | 75.8%-22.8pp | 82.5%-29.5pp | 69.6%-16.7pp |
| Annual return | 17.52% | 27.38%-9.9pp | 276.72%-259.2pp | 31.71%-14.2pp |
| Employer contribution / active EE | $1,101 | $3,217-65.8% | $4,646-76.3% | $2,471-55.5% |
| Participant deferral / active EE | $1,704 | $5,681-70.0% | $6,843-75.1% | $3,741-54.4% |
| Admin fee / account holder | $559 | $6,053-90.8% | $9,312-94.0% | $5,306-89.5% |