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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 | $17,684 | $81,208-78.2% | $98,920-82.1% | $79,856-77.9% |
| Participation rate | 55.8% | 72.5%-16.7pp | 76.0%-20.2pp | 69.6%-13.8pp |
| Annual return | 16.72% | 60.99%-44.3pp | 196.47%-179.7pp | 31.71%-15.0pp |
| Employer contribution / active EE | $606 | $1,960-69.1% | $2,689-77.5% | $2,471-75.5% |
| Participant deferral / active EE | $1,258 | $3,265-61.5% | $4,245-70.4% | $3,741-66.4% |
| Admin fee / account holder | $875 | $6,013-85.5% | $6,643-86.8% | $5,306-83.5% |