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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 | $11,681 | $67,606-82.7% | $82,313-85.8% | $70,124-83.3% |
| Participation rate | 29.5% | 72.8%-43.3pp | 76.9%-47.4pp | 69.5%-40.1pp |
| Annual return | 112.43% | 21.57%+90.9pp | 25.88%+86.6pp | 73.14%+39.3pp |
| Employer contribution / active EE | $520 | $1,755-70.4% | $2,428-78.6% | $2,342-77.8% |
| Participant deferral / active EE | $826 | $2,987-72.3% | $3,706-77.7% | $3,332-75.2% |
| Admin fee / account holder | $408 | $4,512-91.0% | $5,608-92.7% | $4,645-91.2% |