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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 | $18,608 | $107,421-82.7% | $182,262-89.8% | $94,015-80.2% |
| Participation rate | 59.4% | 77.8%-18.4pp | 84.2%-24.8pp | 70.8%-11.4pp |
| Annual return | 32.69% | 21.32%+11.4pp | 140.60%-107.9pp | 17.84%+14.8pp |
| Employer contribution / active EE | $1,748 | $3,448-49.3% | $5,046-65.4% | $2,790-37.4% |
| Participant deferral / active EE | $2,446 | $6,558-62.7% | $8,276-70.4% | $4,249-42.4% |
| Admin fee / account holder | $2,154 | $8,692-75.2% | $16,712-87.1% | $8,951-75.9% |