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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 | $16,826 | $91,537-81.6% | $130,045-87.1% | $75,173-77.6% |
| Participation rate | 53.6% | 71.5%-17.9pp | 78.5%-24.9pp | 67.2%-13.6pp |
| Annual return | 15.22% | -631.55%+646.8pp | -137.30%+152.5pp | 160.72%-145.5pp |
| Employer contribution / active EE | $902 | $2,845-68.3% | $4,321-79.1% | $2,671-66.2% |
| Participant deferral / active EE | $1,723 | $4,343-60.3% | $5,820-70.4% | $4,126-58.3% |
| Admin fee / account holder | $2,647 | $6,780-61.0% | $10,600-75.0% | $5,651-53.2% |