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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 | $21,425 | $77,788-72.5% | $119,126-82.0% | $64,728-66.9% |
| Participation rate | 19.0% | 69.4%-50.4pp | 75.8%-56.7pp | 57.9%-38.9pp |
| Annual return | 20.83% | 13.19%+7.6pp | 282.11%-261.3pp | 49.38%-28.6pp |
| Employer contribution / active EE | $832 | $4,031-79.4% | $4,034-79.4% | $2,243-62.9% |
| Participant deferral / active EE | $614 | $2,599-76.4% | $5,318-88.4% | $2,729-77.5% |
| Admin fee / account holder | $605 | $1,365-55.7% | $10,693-94.3% | $1,145-47.2% |