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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 | $22,428 | $102,422-78.1% | $147,117-84.8% | $80,959-72.3% |
| Participation rate | 59.5% | 75.9%-16.4pp | 82.2%-22.7pp | 67.7%-8.2pp |
| Annual return | 45.91% | 135.16%-89.2pp | 420.54%-374.6pp | 35.67%+10.2pp |
| Employer contribution / active EE | $1,335 | $3,717-64.1% | $4,932-72.9% | $2,757-51.6% |
| Participant deferral / active EE | $1,883 | $6,652-71.7% | $8,065-76.6% | $4,300-56.2% |
| Admin fee / account holder | $1,357 | $7,953-82.9% | $12,993-89.6% | $6,925-80.4% |