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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 | $19,476 | $98,760-80.3% | $149,715-87.0% | $79,858-75.6% |
| Participation rate | 61.7% | 75.8%-14.1pp | 82.5%-20.8pp | 69.6%-7.9pp |
| Annual return | 17.44% | 27.43%-10.0pp | 276.66%-259.2pp | 31.72%-14.3pp |
| Employer contribution / active EE | $1,661 | $3,217-48.4% | $4,645-64.2% | $2,471-32.8% |
| Participant deferral / active EE | $1,236 | $5,681-78.2% | $6,842-81.9% | $3,740-67.0% |
| Admin fee / account holder | $545 | $6,053-91.0% | $9,310-94.1% | $5,306-89.7% |