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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 | $2,752 | $75,541-96.4% | $152,093-98.2% | $82,637-96.7% |
| Participation rate | 41.9% | 66.5%-24.6pp | 77.8%-35.8pp | 68.1%-26.1pp |
| Annual return | 158.41% | 32.56%+125.9pp | 66.36%+92.0pp | 53.51%+104.9pp |
| Employer contribution / active EE | $424 | $2,622-83.8% | $4,175-89.8% | $2,552-83.4% |
| Participant deferral / active EE | $555 | $3,206-82.7% | $5,451-89.8% | $4,126-86.5% |
| Admin fee / account holder | $343 | $6,405-94.6% | $14,497-97.6% | $7,339-95.3% |