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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 | $8,303 | $55,470-85.0% | $155,556-94.7% | $74,478-88.9% |
| Participation rate | 25.5% | 61.9%-36.4pp | 78.2%-52.7pp | 67.2%-41.7pp |
| Annual return | 16.83% | 269.80%-253.0pp | 64.84%-48.0pp | 1370.56%-1353.7pp |
| Employer contribution / active EE | $538 | $2,267-76.3% | $4,675-88.5% | $2,626-79.5% |
| Participant deferral / active EE | $682 | $2,838-76.0% | $5,631-87.9% | $4,350-84.3% |
| Admin fee / account holder | $1,268 | $1,744-27.3% | $15,885-92.0% | $1,946-34.9% |