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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 | $16,236 | $76,834-78.9% | $108,359-85.0% | $87,485-81.4% |
| Participation rate | 51.6% | 61.7%-10.1pp | 70.1%-18.5pp | 68.9%-17.3pp |
| Annual return | 46.34% | 19.09%+27.3pp | 36.89%+9.4pp | 26.06%+20.3pp |
| Employer contribution / active EE | $691 | $1,556-55.6% | $2,399-71.2% | $2,596-73.4% |
| Participant deferral / active EE | $866 | $3,100-72.1% | $4,137-79.1% | $4,274-79.7% |
| Admin fee / account holder | $1,863 | $6,537-71.5% | $9,741-80.9% | $7,775-76.0% |