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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 | $8,442 | $98,766-91.5% | $149,730-94.4% | $79,852-89.4% |
| Participation rate | 54.8% | 75.8%-20.9pp | 82.5%-27.6pp | 69.6%-14.8pp |
| Annual return | 61.47% | 27.43%+34.0pp | 276.70%-215.2pp | 31.72%+29.8pp |
| Employer contribution / active EE | $710 | $3,217-77.9% | $4,645-84.7% | $2,471-71.3% |
| Participant deferral / active EE | $2,199 | $5,681-61.3% | $6,843-67.9% | $3,740-41.2% |
| Admin fee / account holder | $371 | $6,052-93.9% | $9,310-96.0% | $5,306-93.0% |