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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 | $15,797 | $59,448-73.4% | $93,696-83.1% | $74,459-78.8% |
| Participation rate | 50.3% | 59.6%-9.3pp | 68.7%-18.4pp | 67.2%-16.9pp |
| Annual return | 12.74% | 82.11%-69.4pp | 133.74%-121.0pp | 1369.70%-1357.0pp |
| Employer contribution / active EE | $321 | $1,266-74.6% | $2,422-86.7% | $2,626-87.8% |
| Participant deferral / active EE | $1,162 | $3,052-61.9% | $4,417-73.7% | $4,350-73.3% |
| Admin fee / account holder | $708 | $3,027-76.6% | $8,287-91.5% | $1,945-63.6% |