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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 | $14,817 | $98,776-85.0% | $149,745-90.1% | $79,856-81.4% |
| Participation rate | 47.7% | 75.8%-28.1pp | 82.5%-34.8pp | 69.6%-21.9pp |
| Annual return | 37.90% | 27.38%+10.5pp | 276.72%-238.8pp | 31.71%+6.2pp |
| Employer contribution / active EE | $1,118 | $3,217-65.2% | $4,646-75.9% | $2,471-54.7% |
| Participant deferral / active EE | $2,304 | $5,681-59.5% | $6,843-66.3% | $3,741-38.4% |
| Admin fee / account holder | $320 | $6,053-94.7% | $9,312-96.6% | $5,306-94.0% |