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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 | $23,018 | $88,117-73.9% | $164,928-86.0% | $74,400-69.1% |
| Participation rate | 29.4% | 73.1%-43.7pp | 78.6%-49.2pp | 67.2%-37.8pp |
| Annual return | 16.26% | 17.27%-1.0pp | 70.08%-53.8pp | 1367.51%-1351.3pp |
| Employer contribution / active EE | $941 | $2,596-63.8% | $4,343-78.3% | $2,624-64.1% |
| Participant deferral / active EE | $1,432 | $4,501-68.2% | $6,034-76.3% | $4,348-67.1% |
| Admin fee / account holder | $2,198 | $2,230-1.4% | $12,684-82.7% | $1,944+13.1% |