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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 | $17,706 | $101,795-82.6% | $165,100-89.3% | $80,959-78.1% |
| Participation rate | 33.9% | 71.8%-37.9pp | 78.6%-44.7pp | 67.7%-33.8pp |
| Annual return | 12.13% | 16.73%-4.6pp | 70.21%-58.1pp | 35.67%-23.5pp |
| Employer contribution / active EE | $1,284 | $2,954-56.5% | $4,348-70.5% | $2,757-53.4% |
| Participant deferral / active EE | $1,749 | $4,476-60.9% | $6,035-71.0% | $4,300-59.3% |
| Admin fee / account holder | $2,419 | $8,221-70.6% | $12,696-80.9% | $6,925-65.1% |