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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 | $18,933 | $59,006-67.9% | $97,295-80.5% | $74,478-74.6% |
| Participation rate | 29.6% | 63.7%-34.1pp | 72.7%-43.0pp | 67.2%-37.6pp |
| Annual return | 17.53% | 16.04%+1.5pp | 75.62%-58.1pp | 1370.56%-1353.0pp |
| Employer contribution / active EE | $659 | $1,894-65.2% | $2,723-75.8% | $2,626-74.9% |
| Participant deferral / active EE | $1,255 | $3,671-65.8% | $4,264-70.6% | $4,350-71.2% |
| Admin fee / account holder | $1,443 | $1,974-26.9% | $5,646-74.4% | $1,946-25.8% |