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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 | $8,673 | $59,006-85.3% | $97,161-91.1% | $74,400-88.3% |
| Participation rate | 16.8% | 63.7%-46.9pp | 72.7%-55.9pp | 67.2%-50.4pp |
| Annual return | 35.45% | 16.04%+19.4pp | 75.36%-39.9pp | 1367.51%-1332.1pp |
| Employer contribution / active EE | $440 | $1,894-76.8% | $2,723-83.8% | $2,624-83.2% |
| Participant deferral / active EE | $764 | $3,671-79.2% | $4,265-82.1% | $4,348-82.4% |
| Admin fee / account holder | $1,343 | $1,974-32.0% | $5,647-76.2% | $1,944-30.9% |