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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 | $6,018 | $98,766-93.9% | $149,730-96.0% | $79,852-92.5% |
| Participation rate | 59.3% | 75.8%-16.5pp | 82.5%-23.2pp | 69.6%-10.4pp |
| Annual return | 79.03% | 27.43%+51.6pp | 276.70%-197.7pp | 31.72%+47.3pp |
| Employer contribution / active EE | $1,006 | $3,217-68.7% | $4,645-78.3% | $2,471-59.3% |
| Participant deferral / active EE | $1,325 | $5,681-76.7% | $6,843-80.6% | $3,740-64.6% |
| Admin fee / account holder | $376 | $6,052-93.8% | $9,310-96.0% | $5,306-92.9% |