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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 | $12,270 | $105,200-88.3% | $159,474-92.3% | $85,847-85.7% |
| Participation rate | 58.1% | 75.8%-17.7pp | 82.8%-24.8pp | 69.3%-11.3pp |
| Annual return | 29.41% | 45.08%-15.7pp | 263.68%-234.3pp | 318.61%-289.2pp |
| Employer contribution / active EE | $1,096 | $3,319-67.0% | $4,831-77.3% | $2,565-57.3% |
| Participant deferral / active EE | $2,247 | $5,946-62.2% | $7,353-69.4% | $3,952-43.1% |
| Admin fee / account holder | $365 | $6,934-94.7% | $10,802-96.6% | $6,261-94.2% |