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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 | $30,375 | $79,223-61.7% | $102,460-70.4% | $74,478-59.2% |
| Participation rate | 32.7% | 74.8%-42.1pp | 76.5%-43.8pp | 67.2%-34.5pp |
| Annual return | 11.98% | 54.98%-43.0pp | 29.47%-17.5pp | 1370.56%-1358.6pp |
| Employer contribution / active EE | $873 | $2,363-63.1% | $3,025-71.2% | $2,626-66.8% |
| Participant deferral / active EE | $1,540 | $4,417-65.1% | $5,056-69.5% | $4,350-64.6% |
| Admin fee / account holder | $5,387 | $2,003+168.9% | $9,460-43.1% | $1,946+176.9% |