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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 | $5,064 | $49,891-89.8% | $80,607-93.7% | $75,181-93.3% |
| Participation rate | 41.8% | 55.3%-13.5pp | 67.0%-25.2pp | 67.2%-25.4pp |
| Annual return | 15.28% | 34.67%-19.4pp | 936.11%-920.8pp | 160.69%-145.4pp |
| Employer contribution / active EE | $352 | $1,698-79.3% | $2,724-87.1% | $2,671-86.8% |
| Participant deferral / active EE | $462 | $2,991-84.5% | $4,448-89.6% | $4,126-88.8% |
| Admin fee / account holder | $1,031 | $3,578-71.2% | $5,379-80.8% | $5,650-81.7% |