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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 | $12,814 | $63,861-79.9% | $104,625-87.8% | $79,852-84.0% |
| Participation rate | 27.1% | 64.9%-37.8pp | 74.1%-46.9pp | 69.6%-42.5pp |
| Annual return | 20.42% | 21.30%-0.9pp | 340.60%-320.2pp | 31.72%-11.3pp |
| Employer contribution / active EE | $293 | $1,588-81.6% | $2,681-89.1% | $2,471-88.1% |
| Participant deferral / active EE | $758 | $2,693-71.9% | $3,738-79.7% | $3,740-79.7% |
| Admin fee / account holder | $1,541 | $4,185-63.2% | $6,465-76.2% | $5,306-71.0% |