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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 | $23,307 | $84,493-72.4% | $125,381-81.4% | $66,938-65.2% |
| Participation rate | 49.1% | 76.4%-27.3pp | 82.4%-33.3pp | 69.8%-20.7pp |
| Annual return | 5.62% | -8.49%+14.1pp | 572.31%-566.7pp | 1.58%+4.0pp |
| Employer contribution / active EE | $1,322 | $3,554-62.8% | $4,815-72.6% | $2,545-48.1% |
| Participant deferral / active EE | $2,655 | $6,783-60.9% | $7,448-64.4% | $4,238-37.4% |
| Admin fee / account holder | $770 | $685+12.4% | $10,007-92.3% | $594+29.7% |