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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 | $14,646 | $76,551-80.9% | $123,894-88.2% | $62,881-76.7% |
| Participation rate | 44.1% | 73.0%-28.9pp | 81.4%-37.3pp | 69.3%-25.2pp |
| Annual return | 347.61% | 18.68%+328.9pp | 47.52%+300.1pp | 20.14%+327.5pp |
| Employer contribution / active EE | $693 | $2,882-76.0% | $4,617-85.0% | $2,281-69.6% |
| Participant deferral / active EE | $1,095 | $4,840-77.4% | $5,984-81.7% | $3,203-65.8% |
| Admin fee / account holder | $5,245 | $4,826+8.7% | $8,357-37.2% | $4,296+22.1% |