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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 | $9,506 | $55,715-82.9% | $124,206-92.3% | $71,012-86.6% |
| Participation rate | 21.2% | 34.7%-13.4pp | 69.6%-48.3pp | 58.6%-37.3pp |
| Annual return | 18.39% | 73.23%-54.8pp | 515.27%-496.9pp | 37.67%-19.3pp |
| Employer contribution / active EE | $163 | $964-83.1% | $3,540-95.4% | $2,348-93.1% |
| Participant deferral / active EE | $377 | $1,833-79.4% | $3,968-90.5% | $3,246-88.4% |
| Admin fee / account holder | $903 | $1,481-39.0% | $5,929-84.8% | $1,167-22.7% |