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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 | $14,689 | $98,766-85.1% | $149,730-90.2% | $79,852-81.6% |
| Participation rate | 24.1% | 75.8%-51.6pp | 82.5%-58.3pp | 69.6%-45.5pp |
| Annual return | 46.19% | 27.43%+18.8pp | 276.70%-230.5pp | 31.72%+14.5pp |
| Employer contribution / active EE | $684 | $3,217-78.7% | $4,645-85.3% | $2,471-72.3% |
| Participant deferral / active EE | $1,736 | $5,681-69.4% | $6,843-74.6% | $3,740-53.6% |
| Admin fee / account holder | $906 | $6,052-85.0% | $9,310-90.3% | $5,306-82.9% |