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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 | $10,178 | $102,385-90.1% | $147,080-93.1% | $80,935-87.4% |
| Participation rate | 63.0% | 75.9%-12.9pp | 82.2%-19.2pp | 67.7%-4.7pp |
| Annual return | 13.27% | 135.09%-121.8pp | 420.17%-406.9pp | 35.66%-22.4pp |
| Employer contribution / active EE | $1,119 | $3,717-69.9% | $4,933-77.3% | $2,757-59.4% |
| Participant deferral / active EE | $1,979 | $6,651-70.2% | $8,066-75.5% | $4,299-54.0% |
| Admin fee / account holder | $857 | $7,951-89.2% | $12,989-93.4% | $6,924-87.6% |