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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 | $77,574-79.1% | $108,753-85.1% | $86,983-81.3% |
| Participation rate | 51.6% | 62.3%-10.7pp | 71.1%-19.5pp | 69.5%-17.9pp |
| Annual return | 46.34% | 18.42%+27.9pp | 37.47%+8.9pp | 25.83%+20.5pp |
| Employer contribution / active EE | $691 | $1,611-57.1% | $2,427-71.5% | $2,584-73.3% |
| Participant deferral / active EE | $866 | $3,128-72.3% | $4,115-78.9% | $4,194-79.3% |
| Admin fee / account holder | $1,863 | $6,529-71.5% | $10,320-81.9% | $7,856-76.3% |