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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 | $15,722 | $101,752-84.5% | $164,928-90.5% | $80,911-80.6% |
| Participation rate | 64.7% | 71.8%-7.1pp | 78.6%-13.9pp | 67.6%-2.9pp |
| Annual return | 12.22% | 16.73%-4.5pp | 70.08%-57.9pp | 35.63%-23.4pp |
| Employer contribution / active EE | $1,524 | $2,953-48.4% | $4,343-64.9% | $2,756-44.7% |
| Participant deferral / active EE | $1,728 | $4,477-61.4% | $6,034-71.4% | $4,297-59.8% |
| Admin fee / account holder | $331 | $8,218-96.0% | $12,684-97.4% | $6,935-95.2% |