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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 | $17,840 | $63,346-71.8% | $92,239-80.7% | $70,124-74.6% |
| Participation rate | 40.4% | 68.7%-28.2pp | 76.5%-36.1pp | 69.5%-29.1pp |
| Annual return | 13.72% | 530.19%-516.5pp | 176.29%-162.6pp | 73.14%-59.4pp |
| Employer contribution / active EE | $509 | $2,471-79.4% | $3,680-86.2% | $2,342-78.3% |
| Participant deferral / active EE | $674 | $2,854-76.4% | $3,897-82.7% | $3,332-79.8% |
| Admin fee / account holder | $738 | $3,841-80.8% | $5,194-85.8% | $4,645-84.1% |