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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 | $15,413 | $104,479-85.2% | $159,474-90.3% | $79,391-80.6% |
| Participation rate | 38.3% | 76.6%-38.4pp | 82.8%-44.6pp | 70.7%-32.4pp |
| Annual return | 19.12% | 67.98%-48.9pp | 263.68%-244.6pp | 116.88%-97.8pp |
| Employer contribution / active EE | $1,090 | $3,417-68.1% | $4,831-77.4% | $2,428-55.1% |
| Participant deferral / active EE | $1,547 | $6,468-76.1% | $7,353-79.0% | $4,046-61.8% |
| Admin fee / account holder | $1,866 | $711+162.4% | $10,802-82.7% | $627+197.9% |