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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 | $7,842 | $90,107-91.3% | $182,262-95.7% | $69,733-88.8% |
| Participation rate | 30.0% | 64.8%-34.8pp | 84.2%-54.2pp | 62.5%-32.4pp |
| Annual return | 20.48% | 95.58%-75.1pp | 140.60%-120.1pp | 15.22%+5.3pp |
| Employer contribution / active EE | $265 | $3,043-91.3% | $5,046-94.7% | $2,250-88.2% |
| Participant deferral / active EE | $1,147 | $5,135-77.7% | $8,276-86.1% | $3,054-62.4% |
| Admin fee / account holder | $1,950 | $3,377-42.3% | $16,712-88.3% | $3,102-37.1% |