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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 | $4,766 | $54,757-91.3% | $90,300-94.7% | $72,983-93.5% |
| Participation rate | 27.0% | 65.1%-38.2pp | 73.3%-46.3pp | 69.5%-42.5pp |
| Annual return | 57.75% | 30.63%+27.1pp | 78.11%-20.4pp | 81.01%-23.3pp |
| Employer contribution / active EE | $298 | $2,092-85.7% | $2,854-89.5% | $2,440-87.8% |
| Participant deferral / active EE | $704 | $2,887-75.6% | $3,884-81.9% | $3,608-80.5% |
| Admin fee / account holder | $331 | $3,972-91.7% | $5,353-93.8% | $5,124-93.5% |