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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 | $11,862 | $64,959-81.7% | $158,226-92.5% | $69,733-83.0% |
| Participation rate | 16.4% | 52.1%-35.7pp | 74.8%-58.4pp | 62.5%-46.0pp |
| Annual return | 25.58% | 18.37%+7.2pp | 501.41%-475.8pp | 15.22%+10.4pp |
| Employer contribution / active EE | $473 | $1,361-65.3% | $2,986-84.2% | $2,250-79.0% |
| Participant deferral / active EE | $852 | $2,394-64.4% | $4,317-80.3% | $3,054-72.1% |
| Admin fee / account holder | $8,542 | $3,340+155.7% | $10,217-16.4% | $3,102+175.4% |