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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 | $9,098 | $108,825-91.6% | $156,181-94.2% | $82,448-89.0% |
| Participation rate | 60.8% | 72.4%-11.6pp | 78.8%-18.0pp | 68.1%-7.3pp |
| Annual return | 110.08% | 20.59%+89.5pp | 64.87%+45.2pp | 41.64%+68.4pp |
| Employer contribution / active EE | $1,181 | $2,870-58.8% | $4,294-72.5% | $2,551-53.7% |
| Participant deferral / active EE | $1,770 | $4,577-61.3% | $6,132-71.1% | $4,139-57.2% |
| Admin fee / account holder | $1,159 | $9,341-87.6% | $14,586-92.1% | $7,234-84.0% |