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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 | $8,661 | $98,776-91.2% | $149,745-94.2% | $79,856-89.2% |
| Participation rate | 59.3% | 75.8%-16.5pp | 82.5%-23.2pp | 69.6%-10.4pp |
| Annual return | 155.73% | 27.38%+128.4pp | 276.72%-121.0pp | 31.71%+124.0pp |
| Employer contribution / active EE | $1,125 | $3,217-65.0% | $4,646-75.8% | $2,471-54.5% |
| Participant deferral / active EE | $2,294 | $5,681-59.6% | $6,843-66.5% | $3,741-38.7% |
| Admin fee / account holder | $869 | $6,053-85.6% | $9,312-90.7% | $5,306-83.6% |