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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 | $10,630 | $154,193-93.1% | $130,045-91.8% | $139,466-92.4% |
| Participation rate | 47.6% | 82.0%-34.3pp | 78.5%-30.9pp | 80.3%-32.7pp |
| Annual return | 24.17% | 32.51%-8.3pp | -137.30%+161.5pp | 373.66%-349.5pp |
| Employer contribution / active EE | $2,026 | $5,292-61.7% | $4,321-53.1% | $4,754-57.4% |
| Participant deferral / active EE | $1,543 | $6,709-77.0% | $5,820-73.5% | $6,712-77.0% |
| Admin fee / account holder | $586 | $13,989-95.8% | $10,600-94.5% | $11,409-94.9% |