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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 | $22,037 | $79,184-72.2% | $102,438-78.5% | $74,546-70.4% |
| Participation rate | 34.0% | 74.8%-40.8pp | 76.5%-42.5pp | 67.2%-33.3pp |
| Annual return | 18.36% | 54.95%-36.6pp | 29.37%-11.0pp | 1366.03%-1347.7pp |
| Employer contribution / active EE | $991 | $2,362-58.1% | $3,024-67.2% | $2,624-62.2% |
| Participant deferral / active EE | $1,787 | $4,414-59.5% | $5,054-64.6% | $4,347-58.9% |
| Admin fee / account holder | $1,450 | $2,001-27.5% | $9,448-84.7% | $1,944-25.4% |