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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 | $19,201 | $59,456-67.7% | $93,669-79.5% | $74,429-74.2% |
| Participation rate | 54.7% | 59.6%-5.0pp | 68.7%-14.0pp | 67.2%-12.5pp |
| Annual return | 13.97% | 82.00%-68.0pp | 133.59%-119.6pp | 1368.38%-1354.4pp |
| Employer contribution / active EE | $955 | $1,266-24.5% | $2,424-60.6% | $2,625-63.6% |
| Participant deferral / active EE | $1,275 | $3,052-58.2% | $4,416-71.1% | $4,348-70.7% |
| Admin fee / account holder | $2,089 | $3,026-31.0% | $8,291-74.8% | $1,944+7.5% |