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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 | $22,927 | $102,385-77.6% | $147,080-84.4% | $80,935-71.7% |
| Participation rate | 44.7% | 75.9%-31.1pp | 82.2%-37.4pp | 67.7%-22.9pp |
| Annual return | 20.31% | 135.09%-114.8pp | 420.17%-399.9pp | 35.66%-15.3pp |
| Employer contribution / active EE | $3,556 | $3,717-4.3% | $4,933-27.9% | $2,757+29.0% |
| Participant deferral / active EE | $643 | $6,651-90.3% | $8,066-92.0% | $4,299-85.0% |
| Admin fee / account holder | $3,267 | $7,951-58.9% | $12,989-74.8% | $6,924-52.8% |