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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 | $9,281 | $80,992-88.5% | $96,534-90.4% | $75,173-87.7% |
| Participation rate | 50.0% | 71.8%-21.8pp | 76.0%-26.0pp | 67.2%-17.2pp |
| Annual return | 139.91% | 27.05%+112.9pp | 25.88%+114.0pp | 160.72%-20.8pp |
| Employer contribution / active EE | $753 | $2,283-67.0% | $2,965-74.6% | $2,671-71.8% |
| Participant deferral / active EE | $1,225 | $3,929-68.8% | $4,851-74.7% | $4,126-70.3% |
| Admin fee / account holder | $526 | $6,717-92.2% | $8,253-93.6% | $5,651-90.7% |