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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 | $11,085 | $106,905-89.6% | $84,020-86.8% | $152,885-92.7% |
| Participation rate | 39.1% | 75.2%-36.1pp | 69.0%-29.9pp | 82.5%-43.3pp |
| Annual return | 19.14% | 105.00%-85.9pp | 71.31%-52.2pp | 345.39%-326.2pp |
| Employer contribution / active EE | $415 | $2,735-84.8% | $1,984-79.1% | $4,763-91.3% |
| Participant deferral / active EE | $682 | $4,012-83.0% | $3,239-78.9% | $5,851-88.3% |
| Admin fee / account holder | $777 | $8,287-90.6% | $6,101-87.3% | $11,598-93.3% |