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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 | $19,759 | $79,223-75.1% | $102,460-80.7% | $74,478-73.5% |
| Participation rate | 36.6% | 74.8%-38.1pp | 76.5%-39.9pp | 67.2%-30.6pp |
| Annual return | 14.02% | 54.98%-41.0pp | 29.47%-15.5pp | 1370.56%-1356.5pp |
| Employer contribution / active EE | $1,026 | $2,363-56.6% | $3,025-66.1% | $2,626-60.9% |
| Participant deferral / active EE | $2,158 | $4,417-51.1% | $5,056-57.3% | $4,350-50.4% |
| Admin fee / account holder | $3,030 | $2,003+51.3% | $9,460-68.0% | $1,946+55.7% |