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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 | $16,903 | $65,428-74.2% | $169,390-90.0% | $71,511-76.4% |
| Participation rate | 21.5% | 66.9%-45.3pp | 77.2%-55.6pp | 67.9%-46.4pp |
| Annual return | 41.78% | 21.35%+20.4pp | 406.07%-364.3pp | 28.86%+12.9pp |
| Employer contribution / active EE | $676 | $2,064-67.2% | $4,013-83.1% | $2,589-73.9% |
| Participant deferral / active EE | $804 | $4,360-81.5% | $6,222-87.1% | $4,291-81.3% |
| Admin fee / account holder | $585 | $1,328-56.0% | $9,015-93.5% | $1,588-63.2% |