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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 | $16,696 | $52,884-68.4% | $84,753-80.3% | $55,167-69.7% |
| Participation rate | 20.2% | 67.5%-47.3pp | 76.6%-56.4pp | 69.0%-48.8pp |
| Annual return | 281.10% | 18.03%+263.1pp | 22.78%+258.3pp | 169.23%+111.9pp |
| Employer contribution / active EE | $616 | $2,233-72.4% | $3,574-82.8% | $1,963-68.6% |
| Participant deferral / active EE | $991 | $2,644-62.5% | $3,712-73.3% | $3,054-67.5% |
| Admin fee / account holder | $670 | $581+15.3% | $5,333-87.4% | $504+32.9% |