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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 | $5,125 | $131,835-96.1% | $108,582-95.3% | $273,972-98.1% |
| Participation rate | 20.8% | 83.5%-62.6pp | 79.6%-58.7pp | 83.0%-62.2pp |
| Annual return | 14.52% | -91.57%+106.1pp | -51.70%+66.2pp | 41.46%-26.9pp |
| Employer contribution / active EE | $1,310 | $4,913-73.3% | $3,758-65.2% | $4,869-73.1% |
| Participant deferral / active EE | $1,125 | $5,127-78.1% | $4,311-73.9% | $5,287-78.7% |
| Admin fee / account holder | $8,194 | $10,253-20.1% | $7,645+7.2% | $10,133-19.1% |