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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 | $19,495 | $91,537-78.7% | $130,045-85.0% | $75,173-74.1% |
| Participation rate | 42.2% | 71.5%-29.2pp | 78.5%-36.3pp | 67.2%-25.0pp |
| Annual return | 16.30% | -631.55%+647.8pp | -137.30%+153.6pp | 160.72%-144.4pp |
| Employer contribution / active EE | $835 | $2,845-70.7% | $4,321-80.7% | $2,671-68.8% |
| Participant deferral / active EE | $833 | $4,343-80.8% | $5,820-85.7% | $4,126-79.8% |
| Admin fee / account holder | $2,508 | $6,780-63.0% | $10,600-76.3% | $5,651-55.6% |