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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 | $6,509 | $93,598-93.0% | $135,974-95.2% | $75,173-91.3% |
| Participation rate | 44.2% | 75.2%-31.0pp | 81.9%-37.7pp | 67.2%-23.0pp |
| Annual return | 147.43% | 30.89%+116.5pp | 68.30%+79.1pp | 160.72%-13.3pp |
| Employer contribution / active EE | $1,398 | $3,538-60.5% | $4,859-71.2% | $2,671-47.6% |
| Participant deferral / active EE | $2,086 | $6,405-67.4% | $7,760-73.1% | $4,126-49.4% |
| Admin fee / account holder | $396 | $6,978-94.3% | $10,767-96.3% | $5,651-93.0% |