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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 | $8,798 | $63,346-86.1% | $92,240-90.5% | $70,126-87.5% |
| Participation rate | 61.4% | 68.7%-7.3pp | 76.5%-15.1pp | 69.5%-8.2pp |
| Annual return | 16.08% | 530.19%-514.1pp | 176.29%-160.2pp | 73.15%-57.1pp |
| Employer contribution / active EE | $1,775 | $2,471-28.2% | $3,680-51.8% | $2,343-24.2% |
| Participant deferral / active EE | $812 | $2,854-71.6% | $3,897-79.2% | $3,332-75.6% |
| Admin fee / account holder | $1,145 | $3,841-70.2% | $5,194-78.0% | $4,645-75.3% |