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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 | $27,913 | $78,423-64.4% | $95,964-70.9% | $79,856-65.0% |
| Participation rate | 50.0% | 73.5%-23.5pp | 77.1%-27.1pp | 69.6%-19.6pp |
| Annual return | 19.96% | 19.37%+0.6pp | 91.64%-71.7pp | 31.71%-11.8pp |
| Employer contribution / active EE | $932 | $1,945-52.1% | $2,541-63.3% | $2,471-62.3% |
| Participant deferral / active EE | $1,548 | $3,440-55.0% | $4,167-62.9% | $3,741-58.6% |
| Admin fee / account holder | $424 | $5,622-92.5% | $6,797-93.8% | $5,306-92.0% |