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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 | $24,201 | $91,559-73.6% | $133,971-81.9% | $79,852-69.7% |
| Participation rate | 50.7% | 73.3%-22.7pp | 79.8%-29.2pp | 69.6%-19.0pp |
| Annual return | 14.18% | 61.85%-47.7pp | 45.09%-30.9pp | 31.72%-17.5pp |
| Employer contribution / active EE | $1,193 | $2,384-49.9% | $3,919-69.6% | $2,471-51.7% |
| Participant deferral / active EE | $719 | $3,734-80.8% | $5,047-85.8% | $3,740-80.8% |
| Admin fee / account holder | $3,073 | $6,321-51.4% | $8,929-65.6% | $5,306-42.1% |