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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 | $14,568 | $167,522-91.3% | $151,639-90.4% | $134,532-89.2% |
| Participation rate | 55.0% | 88.4%-33.4pp | 87.5%-32.5pp | 81.2%-26.2pp |
| Annual return | -20.95% | 7.81%-28.8pp | 3.34%-24.3pp | 418.27%-439.2pp |
| Employer contribution / active EE | $2,274 | $6,828-66.7% | $6,165-63.1% | $4,741-52.0% |
| Participant deferral / active EE | $3,174 | $8,986-64.7% | $8,363-62.1% | $6,401-50.4% |
| Admin fee / account holder | $1,527 | $13,780-88.9% | $11,613-86.9% | $11,429-86.6% |