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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 | $22,281 | $90,107-75.3% | $182,262-87.8% | $69,733-68.0% |
| Participation rate | 41.9% | 64.8%-22.9pp | 84.2%-42.3pp | 62.5%-20.5pp |
| Annual return | 13.73% | 95.58%-81.8pp | 140.60%-126.9pp | 15.22%-1.5pp |
| Employer contribution / active EE | $391 | $3,043-87.2% | $5,046-92.3% | $2,250-82.6% |
| Participant deferral / active EE | $1,341 | $5,135-73.9% | $8,276-83.8% | $3,054-56.1% |
| Admin fee / account holder | $1,141 | $3,377-66.2% | $16,712-93.2% | $3,102-63.2% |