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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 | $24,015 | $79,209-69.7% | $102,434-76.6% | $74,459-67.7% |
| Participation rate | 54.7% | 74.8%-20.1pp | 76.5%-21.8pp | 67.2%-12.5pp |
| Annual return | 11.95% | 54.98%-43.0pp | 29.46%-17.5pp | 1369.70%-1357.8pp |
| Employer contribution / active EE | $979 | $2,362-58.6% | $3,023-67.6% | $2,626-62.7% |
| Participant deferral / active EE | $1,689 | $4,417-61.8% | $5,055-66.6% | $4,350-61.2% |
| Admin fee / account holder | $4,400 | $2,002+119.8% | $9,462-53.5% | $1,945+126.3% |