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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 | $15,247 | $81,208-81.2% | $98,920-84.6% | $79,856-80.9% |
| Participation rate | 26.4% | 72.5%-46.1pp | 76.0%-49.6pp | 69.6%-43.3pp |
| Annual return | 11.20% | 60.99%-49.8pp | 196.47%-185.3pp | 31.71%-20.5pp |
| Employer contribution / active EE | $604 | $1,960-69.2% | $2,689-77.5% | $2,471-75.5% |
| Participant deferral / active EE | $764 | $3,265-76.6% | $4,245-82.0% | $3,741-79.6% |
| Admin fee / account holder | $1,716 | $6,013-71.5% | $6,643-74.2% | $5,306-67.7% |