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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 | $10,512 | $79,449-86.8% | $189,558-94.5% | $85,856-87.8% |
| Participation rate | 55.6% | 66.0%-10.4pp | 78.5%-22.9pp | 69.3%-13.8pp |
| Annual return | 16.75% | 18.45%-1.7pp | 64.19%-47.4pp | 318.58%-301.8pp |
| Employer contribution / active EE | $598 | $2,081-71.3% | $4,412-86.5% | $2,565-76.7% |
| Participant deferral / active EE | $714 | $4,051-82.4% | $6,174-88.4% | $3,952-81.9% |
| Admin fee / account holder | $2,695 | $5,377-49.9% | $9,809-72.5% | $6,261-56.9% |