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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 | $10,726 | $105,158-89.8% | $94,672-88.7% | $139,487-92.3% |
| Participation rate | 50.0% | 82.4%-32.4pp | 80.8%-30.8pp | 80.3%-30.3pp |
| Annual return | 21.72% | 38.11%-16.4pp | 156.89%-135.2pp | 373.84%-352.1pp |
| Employer contribution / active EE | $941 | $4,107-77.1% | $3,673-74.4% | $4,755-80.2% |
| Participant deferral / active EE | $1,197 | $7,599-84.2% | $7,417-83.9% | $6,713-82.2% |
| Admin fee / account holder | $419 | $8,972-95.3% | $7,222-94.2% | $11,407-96.3% |