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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 | $1,964 | $49,976-96.1% | $66,674-97.1% | $82,637-97.6% |
| Participation rate | 51.1% | 63.1%-12.0pp | 73.7%-22.6pp | 68.1%-17.0pp |
| Annual return | 19.98% | 39.09%-19.1pp | 321.24%-301.3pp | 53.51%-33.5pp |
| Employer contribution / active EE | $439 | $1,988-77.9% | $2,620-83.3% | $2,552-82.8% |
| Participant deferral / active EE | $458 | $2,847-83.9% | $4,084-88.8% | $4,126-88.9% |
| Admin fee / account holder | $1,143 | $4,594-75.1% | $5,098-77.6% | $7,339-84.4% |