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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 | $17,689 | $79,449-77.7% | $189,597-90.7% | $85,851-79.4% |
| Participation rate | 47.4% | 66.0%-18.6pp | 78.4%-31.1pp | 69.3%-22.0pp |
| Annual return | 13.67% | 18.45%-4.8pp | 64.20%-50.5pp | 318.63%-305.0pp |
| Employer contribution / active EE | $693 | $2,081-66.7% | $4,412-84.3% | $2,565-73.0% |
| Participant deferral / active EE | $1,244 | $4,051-69.3% | $6,174-79.9% | $3,952-68.5% |
| Admin fee / account holder | $3,534 | $5,377-34.3% | $9,807-64.0% | $6,261-43.6% |