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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 | $21,243 | $101,499-79.1% | $147,005-85.5% | $74,546-71.5% |
| Participation rate | 49.4% | 75.5%-26.1pp | 82.2%-32.8pp | 67.2%-17.8pp |
| Annual return | 20.15% | 8732.34%-8712.2pp | 418.76%-398.6pp | 1366.03%-1345.9pp |
| Employer contribution / active EE | $1,217 | $3,811-68.1% | $4,934-75.3% | $2,624-53.6% |
| Participant deferral / active EE | $2,658 | $7,304-63.6% | $8,070-67.1% | $4,347-38.9% |
| Admin fee / account holder | $4,467 | $1,748+155.6% | $13,006-65.7% | $1,944+129.8% |