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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 | $13,624 | $118,708-88.5% | $98,920-86.2% | $158,982-91.4% |
| Participation rate | 25.0% | 77.8%-52.8pp | 76.0%-51.0pp | 82.0%-57.0pp |
| Annual return | 12.93% | 372.49%-359.6pp | 196.47%-183.5pp | 302.99%-290.1pp |
| Employer contribution / active EE | $668 | $3,334-80.0% | $2,689-75.2% | $4,763-86.0% |
| Participant deferral / active EE | $875 | $5,089-82.8% | $4,245-79.4% | $5,983-85.4% |
| Admin fee / account holder | $3,212 | $10,134-68.3% | $6,643-51.6% | $11,252-71.5% |