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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 | $12,391 | $45,566-72.8% | $64,105-80.7% | $59,633-79.2% |
| Participation rate | 38.0% | 60.2%-22.1pp | 68.2%-30.1pp | 68.7%-30.6pp |
| Annual return | 1.15% | 4.95%-3.8pp | 791.24%-790.1pp | 2041.40%-2040.2pp |
| Employer contribution / active EE | $148 | $934-84.1% | $1,820-91.9% | $2,203-93.3% |
| Participant deferral / active EE | $403 | $2,057-80.4% | $2,822-85.7% | $3,192-87.4% |
| Admin fee / account holder | $950 | $3,268-70.9% | $4,499-78.9% | $4,297-77.9% |