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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 | $19,702 | $78,425-74.9% | $95,956-79.5% | $79,858-75.3% |
| Participation rate | 54.3% | 73.5%-19.2pp | 77.1%-22.8pp | 69.6%-15.3pp |
| Annual return | 19.90% | 19.37%+0.5pp | 91.63%-71.7pp | 31.72%-11.8pp |
| Employer contribution / active EE | $1,067 | $1,945-45.1% | $2,541-58.0% | $2,471-56.8% |
| Participant deferral / active EE | $1,411 | $3,440-59.0% | $4,167-66.1% | $3,740-62.3% |
| Admin fee / account holder | $396 | $5,622-93.0% | $6,797-94.2% | $5,306-92.5% |