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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 | $16,528 | $85,766-80.7% | $136,297-87.9% | $70,124-76.4% |
| Participation rate | 49.3% | 74.2%-24.8pp | 81.9%-32.6pp | 69.5%-20.2pp |
| Annual return | 14.46% | 31.45%-17.0pp | 5156.19%-5141.7pp | 73.14%-58.7pp |
| Employer contribution / active EE | $618 | $2,966-79.2% | $4,696-86.8% | $2,342-73.6% |
| Participant deferral / active EE | $1,392 | $5,051-72.4% | $6,247-77.7% | $3,332-58.2% |
| Admin fee / account holder | $772 | $5,420-85.8% | $9,244-91.7% | $4,645-83.4% |