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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 | $10,979 | $93,345-88.2% | $119,126-90.8% | $87,485-87.5% |
| Participation rate | 33.3% | 68.7%-35.4pp | 75.8%-42.4pp | 68.9%-35.6pp |
| Annual return | 573.50% | 19.08%+554.4pp | 282.11%+291.4pp | 26.06%+547.4pp |
| Employer contribution / active EE | $4,238 | $3,172+33.6% | $4,034+5.1% | $2,596+63.2% |
| Participant deferral / active EE | $1,138 | $4,099-72.2% | $5,318-78.6% | $4,274-73.4% |
| Admin fee / account holder | $941 | $8,039-88.3% | $10,693-91.2% | $7,775-87.9% |