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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 | $24,624 | $102,422-76.0% | $147,117-83.3% | $80,959-69.6% |
| Participation rate | 42.5% | 75.9%-33.4pp | 82.2%-39.7pp | 67.7%-25.2pp |
| Annual return | 14.22% | 135.16%-120.9pp | 420.54%-406.3pp | 35.67%-21.4pp |
| Employer contribution / active EE | $1,357 | $3,717-63.5% | $4,932-72.5% | $2,757-50.8% |
| Participant deferral / active EE | $2,013 | $6,652-69.7% | $8,065-75.0% | $4,300-53.2% |
| Admin fee / account holder | $3,204 | $7,953-59.7% | $12,993-75.3% | $6,925-53.7% |