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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 | $101,672-79.1% | $147,117-85.6% | $74,478-71.5% |
| Participation rate | 49.4% | 75.5%-26.2pp | 82.2%-32.8pp | 67.2%-17.8pp |
| Annual return | 20.15% | 8757.83%-8737.7pp | 420.54%-400.4pp | 1370.56%-1350.4pp |
| Employer contribution / active EE | $1,217 | $3,813-68.1% | $4,932-75.3% | $2,626-53.7% |
| Participant deferral / active EE | $2,658 | $7,305-63.6% | $8,065-67.0% | $4,350-38.9% |
| Admin fee / account holder | $4,467 | $1,753+154.8% | $12,993-65.6% | $1,946+129.6% |