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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 | $11,299 | $82,674-86.3% | $125,381-91.0% | $68,486-83.5% |
| Participation rate | 31.8% | 75.1%-43.2pp | 82.4%-50.6pp | 67.9%-36.1pp |
| Annual return | 43.41% | -5.97%+49.4pp | 572.31%-528.9pp | -7.85%+51.3pp |
| Employer contribution / active EE | $784 | $3,382-76.8% | $4,815-83.7% | $2,597-69.8% |
| Participant deferral / active EE | $1,445 | $6,111-76.3% | $7,448-80.6% | $4,028-64.1% |
| Admin fee / account holder | $3,152 | $6,277-49.8% | $10,007-68.5% | $5,404-41.7% |