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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 | $11,605 | $36,002-67.8% | $161,489-92.8% | $64,728-82.1% |
| Participation rate | 20.3% | 57.4%-37.1pp | 78.7%-58.4pp | 57.9%-37.6pp |
| Annual return | 12.90% | 33.93%-21.0pp | 89.72%-76.8pp | 49.38%-36.5pp |
| Employer contribution / active EE | $443 | $1,380-67.9% | $4,268-89.6% | $2,243-80.2% |
| Participant deferral / active EE | $585 | $1,815-67.8% | $5,630-89.6% | $2,729-78.6% |
| Admin fee / account holder | $6,483 | $931+596.6% | $16,006-59.5% | $1,145+466.1% |