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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 | $19,300 | $84,493-77.2% | $125,381-84.6% | $66,938-71.2% |
| Participation rate | 42.1% | 76.4%-34.4pp | 82.4%-40.3pp | 69.8%-27.8pp |
| Annual return | 24.82% | -8.49%+33.3pp | 572.31%-547.5pp | 1.58%+23.2pp |
| Employer contribution / active EE | $1,219 | $3,554-65.7% | $4,815-74.7% | $2,545-52.1% |
| Participant deferral / active EE | $2,698 | $6,783-60.2% | $7,448-63.8% | $4,238-36.3% |
| Admin fee / account holder | $3,657 | $685+433.8% | $10,007-63.5% | $594+516.1% |