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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 | $12,615 | $53,837-76.6% | $75,714-83.3% | $85,847-85.3% |
| Participation rate | 57.4% | 69.1%-11.7pp | 74.8%-17.5pp | 69.3%-12.0pp |
| Annual return | 13.99% | 24.54%-10.6pp | 104.62%-90.6pp | 318.61%-304.6pp |
| Employer contribution / active EE | $1,342 | $2,017-33.5% | $2,744-51.1% | $2,565-47.7% |
| Participant deferral / active EE | $0 | $2,895-100.0% | $3,820-100.0% | $3,952-100.0% |
| Admin fee / account holder | $503 | $3,339-84.9% | $3,619-86.1% | $6,261-92.0% |