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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 | $20,532 | $86,298-76.2% | $111,308-81.6% | $85,847-76.1% |
| Participation rate | 25.0% | 73.3%-48.3pp | 77.3%-52.3pp | 69.3%-44.3pp |
| Annual return | 18.16% | 19.99%-1.8pp | 54.67%-36.5pp | 318.61%-300.4pp |
| Employer contribution / active EE | $582 | $2,044-71.5% | $2,732-78.7% | $2,565-77.3% |
| Participant deferral / active EE | $1,299 | $3,641-64.3% | $4,487-71.0% | $3,952-67.1% |
| Admin fee / account holder | $457 | $8,189-94.4% | $7,965-94.3% | $6,261-92.7% |