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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 | $12,283 | $70,684-82.6% | $169,397-92.7% | $75,177-83.7% |
| Participation rate | 44.1% | 64.8%-20.7pp | 77.2%-33.1pp | 67.2%-23.1pp |
| Annual return | 18.26% | 36.38%-18.1pp | 406.23%-388.0pp | 160.75%-142.5pp |
| Employer contribution / active EE | $705 | $2,211-68.1% | $4,013-82.4% | $2,671-73.6% |
| Participant deferral / active EE | $941 | $4,310-78.2% | $6,223-84.9% | $4,126-77.2% |
| Admin fee / account holder | $1,206 | $5,404-77.7% | $9,017-86.6% | $5,651-78.7% |