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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 | $23,147 | $61,315-62.2% | $90,259-74.4% | $64,728-64.2% |
| Participation rate | 16.3% | 51.1%-34.8pp | 70.7%-54.4pp | 57.9%-41.6pp |
| Annual return | 233.25% | 19.46%+213.8pp | 18.88%+214.4pp | 49.38%+183.9pp |
| Employer contribution / active EE | $363 | $1,602-77.3% | $2,291-84.1% | $2,243-83.8% |
| Participant deferral / active EE | $362 | $2,408-85.0% | $3,827-90.5% | $2,729-86.7% |
| Admin fee / account holder | $4,406 | $1,726+155.3% | $7,267-39.4% | $1,145+284.8% |