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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 | $4,400 | $59,448-92.6% | $93,696-95.3% | $74,459-94.1% |
| Participation rate | 69.6% | 59.6%+9.9pp | 68.7%+0.8pp | 67.2%+2.3pp |
| Annual return | 11.72% | 82.11%-70.4pp | 133.74%-122.0pp | 1369.70%-1358.0pp |
| Employer contribution / active EE | $410 | $1,266-67.6% | $2,422-83.1% | $2,626-84.4% |
| Participant deferral / active EE | $1,044 | $3,052-65.8% | $4,417-76.4% | $4,350-76.0% |
| Admin fee / account holder | $1,021 | $3,027-66.3% | $8,287-87.7% | $1,945-47.5% |