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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 | $16,044 | $59,402-73.0% | $93,654-82.9% | $74,546-78.5% |
| Participation rate | 26.2% | 59.7%-33.5pp | 68.7%-42.5pp | 67.2%-41.0pp |
| Annual return | 12.73% | 81.86%-69.1pp | 133.34%-120.6pp | 1366.03%-1353.3pp |
| Employer contribution / active EE | $505 | $1,265-60.1% | $2,421-79.2% | $2,624-80.8% |
| Participant deferral / active EE | $1,029 | $3,049-66.3% | $4,413-76.7% | $4,347-76.3% |
| Admin fee / account holder | $1,765 | $3,023-41.6% | $8,282-78.7% | $1,944-9.2% |