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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 | $17,086 | $77,472-77.9% | $100,392-83.0% | $80,935-78.9% |
| Participation rate | 44.8% | 76.9%-32.1pp | 81.5%-36.7pp | 67.7%-22.8pp |
| Annual return | 97.92% | 37.26%+60.7pp | 49.45%+48.5pp | 35.66%+62.3pp |
| Employer contribution / active EE | $1,018 | $2,800-63.6% | $3,941-74.2% | $2,757-63.1% |
| Participant deferral / active EE | $1,672 | $6,818-75.5% | $8,090-79.3% | $4,299-61.1% |
| Admin fee / account holder | $19,619 | $5,885+233.4% | $7,904+148.2% | $6,924+183.3% |