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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 | $21,475 | $59,448-63.9% | $93,696-77.1% | $74,459-71.2% |
| Participation rate | 36.3% | 59.6%-23.3pp | 68.7%-32.4pp | 67.2%-30.9pp |
| Annual return | 21.88% | 82.11%-60.2pp | 133.74%-111.9pp | 1369.70%-1347.8pp |
| Employer contribution / active EE | $697 | $1,266-45.0% | $2,422-71.2% | $2,626-73.5% |
| Participant deferral / active EE | $1,263 | $3,052-58.6% | $4,417-71.4% | $4,350-71.0% |
| Admin fee / account holder | $1,729 | $3,027-42.9% | $8,287-79.1% | $1,945-11.1% |