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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 | $12,838 | $58,859-78.2% | $129,397-90.1% | $77,714-83.5% |
| Participation rate | 23.3% | 59.3%-36.0pp | 69.6%-46.3pp | 70.6%-47.3pp |
| Annual return | 15.23% | 24.74%-9.5pp | 9453.98%-9438.8pp | 31.26%-16.0pp |
| Employer contribution / active EE | $445 | $1,952-77.2% | $4,154-89.3% | $2,727-83.7% |
| Participant deferral / active EE | $748 | $3,215-76.7% | $4,167-82.0% | $4,649-83.9% |
| Admin fee / account holder | $851 | $591+44.1% | $7,679-88.9% | $433+96.4% |