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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 | $16,275 | $93,598-82.6% | $135,974-88.0% | $75,173-78.3% |
| Participation rate | 43.6% | 75.2%-31.6pp | 81.9%-38.3pp | 67.2%-23.6pp |
| Annual return | 71.10% | 30.89%+40.2pp | 68.30%+2.8pp | 160.72%-89.6pp |
| Employer contribution / active EE | $1,041 | $3,538-70.6% | $4,859-78.6% | $2,671-61.0% |
| Participant deferral / active EE | $1,435 | $6,405-77.6% | $7,760-81.5% | $4,126-65.2% |
| Admin fee / account holder | $328 | $6,978-95.3% | $10,767-97.0% | $5,651-94.2% |