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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 | $7,804 | $105,200-92.6% | $159,474-95.1% | $85,847-90.9% |
| Participation rate | 47.2% | 75.8%-28.6pp | 82.8%-35.7pp | 69.3%-22.1pp |
| Annual return | 19.39% | 45.08%-25.7pp | 263.68%-244.3pp | 318.61%-299.2pp |
| Employer contribution / active EE | $929 | $3,319-72.0% | $4,831-80.8% | $2,565-63.8% |
| Participant deferral / active EE | $1,133 | $5,946-80.9% | $7,353-84.6% | $3,952-71.3% |
| Admin fee / account holder | $475 | $6,934-93.2% | $10,802-95.6% | $6,261-92.4% |