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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 | $7,319 | $60,128-87.8% | $90,440-91.9% | $79,852-90.8% |
| Participation rate | 14.6% | 65.0%-50.4pp | 72.7%-58.1pp | 69.6%-55.1pp |
| Annual return | 39.78% | 71.95%-32.2pp | 1294.38%-1254.6pp | 31.72%+8.1pp |
| Employer contribution / active EE | $461 | $2,068-77.7% | $3,263-85.9% | $2,471-81.3% |
| Participant deferral / active EE | $708 | $2,939-75.9% | $3,964-82.1% | $3,740-81.1% |
| Admin fee / account holder | $4,112 | $3,977+3.4% | $5,615-26.8% | $5,306-22.5% |