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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 | $6,241 | $61,816-89.9% | $97,260-93.6% | $80,935-92.3% |
| Participation rate | 46.6% | 63.5%-16.9pp | 72.7%-26.1pp | 67.7%-21.1pp |
| Annual return | 11.65% | -558.73%+570.4pp | 75.54%-63.9pp | 35.66%-24.0pp |
| Employer contribution / active EE | $713 | $1,836-61.2% | $2,721-73.8% | $2,757-74.1% |
| Participant deferral / active EE | $833 | $3,027-72.5% | $4,262-80.5% | $4,299-80.6% |
| Admin fee / account holder | $850 | $5,166-83.5% | $5,640-84.9% | $6,924-87.7% |