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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 | $14,966 | $70,666-78.8% | $169,385-91.2% | $75,181-80.1% |
| Participation rate | 21.3% | 64.8%-43.4pp | 77.2%-55.8pp | 67.2%-45.9pp |
| Annual return | 306.73% | 36.37%+270.4pp | 405.82%-99.1pp | 160.69%+146.0pp |
| Employer contribution / active EE | $531 | $2,210-76.0% | $4,012-86.8% | $2,671-80.1% |
| Participant deferral / active EE | $825 | $4,308-80.9% | $6,221-86.7% | $4,126-80.0% |
| Admin fee / account holder | $609 | $5,402-88.7% | $9,011-93.2% | $5,650-89.2% |