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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 | $11,550 | $89,370-87.1% | $141,197-91.8% | $72,976-84.2% |
| Participation rate | 41.0% | 75.1%-34.1pp | 82.5%-41.5pp | 69.5%-28.5pp |
| Annual return | 94.82% | 111.88%-17.1pp | 71.41%+23.4pp | 81.02%+13.8pp |
| Employer contribution / active EE | $2,040 | $3,115-34.5% | $4,736-56.9% | $2,440-16.4% |
| Participant deferral / active EE | $1,517 | $5,419-72.0% | $6,710-77.4% | $3,608-58.0% |
| Admin fee / account holder | $1,981 | $5,957-66.7% | $10,265-80.7% | $5,124-61.3% |