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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 | $3,633 | $64,705-94.4% | $62,929-94.2% | $67,986-94.7% |
| Participation rate | 44.6% | 65.6%-21.0pp | 73.1%-28.5pp | 57.2%-12.6pp |
| Annual return | 39.51% | 20.31%+19.2pp | 1063.93%-1024.4pp | 31.67%+7.8pp |
| Employer contribution / active EE | $539 | $2,376-77.3% | $2,505-78.5% | $2,019-73.3% |
| Participant deferral / active EE | $716 | $3,198-77.6% | $3,888-81.6% | $3,358-78.7% |
| Admin fee / account holder | $394 | $1,428-72.4% | $5,065-92.2% | $3,203-87.7% |