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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 | $10,262 | $86,949-88.2% | $102,460-90.0% | $80,959-87.3% |
| Participation rate | 29.5% | 72.4%-42.8pp | 76.5%-47.0pp | 67.7%-38.1pp |
| Annual return | 119.71% | 18.89%+100.8pp | 29.47%+90.2pp | 35.67%+84.0pp |
| Employer contribution / active EE | $703 | $2,370-70.3% | $3,025-76.8% | $2,757-74.5% |
| Participant deferral / active EE | $1,171 | $4,121-71.6% | $5,056-76.8% | $4,300-72.8% |
| Admin fee / account holder | $1,116 | $8,048-86.1% | $9,460-88.2% | $6,925-83.9% |