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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 | $15,237 | $73,532-79.3% | $178,540-91.5% | $74,459-79.5% |
| Participation rate | 38.5% | 66.6%-28.1pp | 77.1%-38.6pp | 67.2%-28.8pp |
| Annual return | 14.06% | 17.51%-3.4pp | 27.15%-13.1pp | 1369.70%-1355.6pp |
| Employer contribution / active EE | $968 | $2,221-56.4% | $3,953-75.5% | $2,626-63.1% |
| Participant deferral / active EE | $1,478 | $4,519-67.3% | $6,281-76.5% | $4,350-66.0% |
| Admin fee / account holder | $2,550 | $1,813+40.7% | $10,424-75.5% | $1,945+31.1% |