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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 | $6,415 | $123,854-94.8% | $69,623-90.8% | $145,884-95.6% |
| Participation rate | 66.7% | 69.2%-2.6pp | 66.4%+0.2pp | 80.3%-13.6pp |
| Annual return | 9.12% | 192.35%-183.2pp | 101.23%-92.1pp | 551.85%-542.7pp |
| Employer contribution / active EE | $305 | $2,673-88.6% | $1,709-82.1% | $4,662-93.5% |
| Participant deferral / active EE | $495 | $4,242-88.3% | $2,890-82.9% | $6,690-92.6% |
| Admin fee / account holder | $504 | $7,822-93.6% | $4,696-89.3% | $13,392-96.2% |