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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 | $22,151 | $98,760-77.6% | $149,715-85.2% | $79,858-72.3% |
| Participation rate | 63.2% | 75.8%-12.6pp | 82.5%-19.3pp | 69.6%-6.5pp |
| Annual return | 18.04% | 27.43%-9.4pp | 276.66%-258.6pp | 31.72%-13.7pp |
| Employer contribution / active EE | $1,362 | $3,217-57.6% | $4,645-70.7% | $2,471-44.9% |
| Participant deferral / active EE | $1,828 | $5,681-67.8% | $6,842-73.3% | $3,740-51.1% |
| Admin fee / account holder | $1,778 | $6,053-70.6% | $9,310-80.9% | $5,306-66.5% |