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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 | $8,189 | $102,429-92.0% | $147,096-94.4% | $80,925-89.9% |
| Participation rate | 47.0% | 75.9%-28.9pp | 82.2%-35.2pp | 67.7%-20.7pp |
| Annual return | 37.85% | 135.02%-97.2pp | 419.75%-381.9pp | 35.65%+2.2pp |
| Employer contribution / active EE | $1,346 | $3,716-63.8% | $4,936-72.7% | $2,756-51.2% |
| Participant deferral / active EE | $2,346 | $6,649-64.7% | $8,071-70.9% | $4,299-45.4% |
| Admin fee / account holder | $1,475 | $7,957-81.5% | $13,005-88.7% | $6,940-78.7% |