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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 | $22,410 | $75,183-70.2% | $123,894-81.9% | $55,167-59.4% |
| Participation rate | 45.9% | 72.8%-27.0pp | 81.4%-35.5pp | 69.0%-23.1pp |
| Annual return | 10.10% | 19.01%-8.9pp | 47.52%-37.4pp | 169.23%-159.1pp |
| Employer contribution / active EE | $5,056 | $2,823+79.1% | $4,617+9.5% | $1,963+157.6% |
| Participant deferral / active EE | $304 | $5,084-94.0% | $5,984-94.9% | $3,054-90.0% |
| Admin fee / account holder | $4,414 | $663+566.2% | $8,357-47.2% | $504+776.0% |