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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 | $25,693 | $104,497-75.4% | $159,487-83.9% | $79,389-67.6% |
| Participation rate | 46.1% | 76.6%-30.5pp | 82.8%-36.8pp | 70.7%-24.6pp |
| Annual return | 27.13% | 67.98%-40.8pp | 263.71%-236.6pp | 116.89%-89.8pp |
| Employer contribution / active EE | $866 | $3,418-74.7% | $4,831-82.1% | $2,428-64.3% |
| Participant deferral / active EE | $1,280 | $6,468-80.2% | $7,354-82.6% | $4,046-68.4% |
| Admin fee / account holder | $5,775 | $711+711.8% | $10,804-46.5% | $626+821.9% |