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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 | $9,569 | $101,672-90.6% | $147,117-93.5% | $74,478-87.2% |
| Participation rate | 56.2% | 75.5%-19.4pp | 82.2%-26.0pp | 67.2%-11.0pp |
| Annual return | 43.71% | 8757.83%-8714.1pp | 420.54%-376.8pp | 1370.56%-1326.9pp |
| Employer contribution / active EE | $1,094 | $3,813-71.3% | $4,932-77.8% | $2,626-58.3% |
| Participant deferral / active EE | $2,030 | $7,305-72.2% | $8,065-74.8% | $4,350-53.3% |
| Admin fee / account holder | $589 | $1,753-66.4% | $12,993-95.5% | $1,946-69.7% |