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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 | $7,540 | $82,678-90.9% | $125,391-94.0% | $68,490-89.0% |
| Participation rate | 53.5% | 75.1%-21.6pp | 82.4%-28.9pp | 67.9%-14.4pp |
| Annual return | 164.66% | -5.97%+170.6pp | 572.41%-407.7pp | -7.85%+172.5pp |
| Employer contribution / active EE | $1,275 | $3,382-62.3% | $4,816-73.5% | $2,597-50.9% |
| Participant deferral / active EE | $1,788 | $6,111-70.7% | $7,448-76.0% | $4,028-55.6% |
| Admin fee / account holder | $497 | $6,277-92.1% | $10,009-95.0% | $5,403-90.8% |