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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 | $5,549 | $101,752-94.5% | $164,928-96.6% | $80,911-93.1% |
| Participation rate | 29.6% | 71.8%-42.2pp | 78.6%-49.0pp | 67.6%-38.0pp |
| Annual return | 15.67% | 16.73%-1.1pp | 70.08%-54.4pp | 35.63%-20.0pp |
| Employer contribution / active EE | $1,845 | $2,953-37.5% | $4,343-57.5% | $2,756-33.0% |
| Participant deferral / active EE | $1,807 | $4,477-59.6% | $6,034-70.1% | $4,297-57.9% |
| Admin fee / account holder | $1,302 | $8,218-84.2% | $12,684-89.7% | $6,935-81.2% |