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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 | $9,828 | $65,555-85.0% | $86,216-88.6% | $75,173-86.9% |
| Participation rate | 26.3% | 60.5%-34.2pp | 69.0%-42.6pp | 67.2%-40.9pp |
| Annual return | 15.85% | 46.07%-30.2pp | 1169.42%-1153.6pp | 160.72%-144.9pp |
| Employer contribution / active EE | $392 | $1,553-74.7% | $2,382-83.5% | $2,671-85.3% |
| Participant deferral / active EE | $776 | $3,023-74.3% | $3,986-80.5% | $4,126-81.2% |
| Admin fee / account holder | $1,218 | $5,469-77.7% | $6,853-82.2% | $5,651-78.4% |