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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 | $17,348 | $65,566-73.5% | $86,235-79.9% | $75,177-76.9% |
| Participation rate | 44.6% | 60.5%-15.9pp | 69.0%-24.3pp | 67.2%-22.6pp |
| Annual return | 22.31% | 46.07%-23.8pp | 1170.03%-1147.7pp | 160.75%-138.4pp |
| Employer contribution / active EE | $800 | $1,553-48.5% | $2,381-66.4% | $2,671-70.0% |
| Participant deferral / active EE | $1,057 | $3,023-65.0% | $3,987-73.5% | $4,126-74.4% |
| Admin fee / account holder | $882 | $5,470-83.9% | $6,856-87.1% | $5,651-84.4% |