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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 | $17,926 | $88,360-79.7% | $145,433-87.7% | $67,986-73.6% |
| Participation rate | 32.2% | 65.5%-33.3pp | 82.1%-49.9pp | 57.2%-25.0pp |
| Annual return | 19.33% | 63.15%-43.8pp | 66.58%-47.2pp | 31.67%-12.3pp |
| Employer contribution / active EE | $530 | $3,054-82.6% | $4,554-88.4% | $2,019-73.7% |
| Participant deferral / active EE | $1,285 | $5,932-78.3% | $7,897-83.7% | $3,358-61.7% |
| Admin fee / account holder | $1,572 | $3,313-52.6% | $13,129-88.0% | $3,203-50.9% |