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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 | $12,730 | $51,184-75.1% | $66,439-80.8% | $86,983-85.4% |
| Participation rate | 42.4% | 68.5%-26.1pp | 74.5%-32.1pp | 69.5%-27.2pp |
| Annual return | 14.84% | 17.07%-2.2pp | 757.66%-742.8pp | 25.83%-11.0pp |
| Employer contribution / active EE | $502 | $2,023-75.2% | $2,637-81.0% | $2,584-80.6% |
| Participant deferral / active EE | $887 | $2,927-69.7% | $3,876-77.1% | $4,194-78.8% |
| Admin fee / account holder | $1,436 | $4,154-65.4% | $6,173-76.7% | $7,856-81.7% |