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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 | $18,647 | $102,429-81.8% | $147,096-87.3% | $80,925-77.0% |
| Participation rate | 37.9% | 75.9%-37.9pp | 82.2%-44.2pp | 67.7%-29.7pp |
| Annual return | 12.07% | 135.02%-123.0pp | 419.75%-407.7pp | 35.65%-23.6pp |
| Employer contribution / active EE | $1,080 | $3,716-70.9% | $4,936-78.1% | $2,756-60.8% |
| Participant deferral / active EE | $2,468 | $6,649-62.9% | $8,071-69.4% | $4,299-42.6% |
| Admin fee / account holder | $966 | $7,957-87.9% | $13,005-92.6% | $6,940-86.1% |