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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 | $17,139 | $65,555-73.9% | $86,216-80.1% | $75,173-77.2% |
| Participation rate | 33.3% | 60.5%-27.2pp | 69.0%-35.6pp | 67.2%-33.9pp |
| Annual return | 17.85% | 46.07%-28.2pp | 1169.42%-1151.6pp | 160.72%-142.9pp |
| Employer contribution / active EE | $475 | $1,553-69.4% | $2,382-80.0% | $2,671-82.2% |
| Participant deferral / active EE | $518 | $3,023-82.9% | $3,986-87.0% | $4,126-87.4% |
| Admin fee / account holder | $1,235 | $5,469-77.4% | $6,853-82.0% | $5,651-78.1% |