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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 | $10,043 | $61,816-83.8% | $97,260-89.7% | $80,935-87.6% |
| Participation rate | 39.3% | 63.5%-24.2pp | 72.7%-33.4pp | 67.7%-28.4pp |
| Annual return | 14.74% | -558.73%+573.5pp | 75.54%-60.8pp | 35.66%-20.9pp |
| Employer contribution / active EE | $427 | $1,836-76.7% | $2,721-84.3% | $2,757-84.5% |
| Participant deferral / active EE | $896 | $3,027-70.4% | $4,262-79.0% | $4,299-79.2% |
| Admin fee / account holder | $1,911 | $5,166-63.0% | $5,640-66.1% | $6,924-72.4% |