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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 | $12,621 | $104,479-87.9% | $159,474-92.1% | $79,391-84.1% |
| Participation rate | 50.0% | 76.6%-26.6pp | 82.8%-32.8pp | 70.7%-20.7pp |
| Annual return | 26.09% | 67.98%-41.9pp | 263.68%-237.6pp | 116.88%-90.8pp |
| Employer contribution / active EE | $1,560 | $3,417-54.4% | $4,831-67.7% | $2,428-35.8% |
| Participant deferral / active EE | $2,180 | $6,468-66.3% | $7,353-70.3% | $4,046-46.1% |
| Admin fee / account holder | $1,989 | $711+179.7% | $10,802-81.6% | $627+217.5% |