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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 | $20,236 | $96,731-79.1% | $123,973-83.7% | $86,983-76.7% |
| Participation rate | 50.0% | 70.0%-20.0pp | 76.7%-26.7pp | 69.5%-19.5pp |
| Annual return | 16.04% | 17.33%-1.3pp | 388.13%-372.1pp | 25.83%-9.8pp |
| Employer contribution / active EE | $1,717 | $3,297-47.9% | $4,126-58.4% | $2,584-33.6% |
| Participant deferral / active EE | $1,748 | $4,152-57.9% | $5,247-66.7% | $4,194-58.3% |
| Admin fee / account holder | $1,317 | $8,722-84.9% | $11,799-88.8% | $7,856-83.2% |