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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 | $19,748 | $88,186-77.6% | $165,071-88.0% | $74,459-73.5% |
| Participation rate | 47.3% | 73.1%-25.9pp | 78.6%-31.4pp | 67.2%-20.0pp |
| Annual return | 16.45% | 17.13%-0.7pp | 70.17%-53.7pp | 1369.70%-1353.3pp |
| Employer contribution / active EE | $908 | $2,600-65.1% | $4,347-79.1% | $2,626-65.4% |
| Participant deferral / active EE | $1,946 | $4,505-56.8% | $6,035-67.8% | $4,350-55.3% |
| Admin fee / account holder | $625 | $2,234-72.0% | $12,695-95.1% | $1,945-67.8% |