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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 | $15,454 | $106,905-85.5% | $84,020-81.6% | $152,885-89.9% |
| Participation rate | 60.0% | 75.2%-15.2pp | 69.0%-9.0pp | 82.5%-22.5pp |
| Annual return | 21.88% | 105.00%-83.1pp | 71.31%-49.4pp | 345.39%-323.5pp |
| Employer contribution / active EE | $798 | $2,735-70.8% | $1,984-59.8% | $4,763-83.2% |
| Participant deferral / active EE | $979 | $4,012-75.6% | $3,239-69.8% | $5,851-83.3% |
| Admin fee / account holder | $2,240 | $8,287-73.0% | $6,101-63.3% | $11,598-80.7% |