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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 | $6,892 | $89,370-92.3% | $141,197-95.1% | $72,976-90.6% |
| Participation rate | 55.6% | 75.1%-19.6pp | 82.5%-26.9pp | 69.5%-13.9pp |
| Annual return | 27.08% | 111.88%-84.8pp | 71.41%-44.3pp | 81.02%-53.9pp |
| Employer contribution / active EE | $729 | $3,115-76.6% | $4,736-84.6% | $2,440-70.1% |
| Participant deferral / active EE | $1,743 | $5,419-67.8% | $6,710-74.0% | $3,608-51.7% |
| Admin fee / account holder | $336 | $5,957-94.4% | $10,265-96.7% | $5,124-93.4% |