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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 | $7,099 | $49,897-85.8% | $80,648-91.2% | $75,177-90.6% |
| Participation rate | 16.7% | 55.3%-38.7pp | 67.0%-50.3pp | 67.2%-50.5pp |
| Annual return | 19.64% | 34.68%-15.0pp | 937.21%-917.6pp | 160.75%-141.1pp |
| Employer contribution / active EE | $425 | $1,699-75.0% | $2,724-84.4% | $2,671-84.1% |
| Participant deferral / active EE | $387 | $2,992-87.1% | $4,443-91.3% | $4,126-90.6% |
| Admin fee / account holder | $1,367 | $3,579-61.8% | $5,382-74.6% | $5,651-75.8% |