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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 | $24,203 | $101,672-76.2% | $147,117-83.5% | $74,478-67.5% |
| Participation rate | 53.0% | 75.5%-22.5pp | 82.2%-29.2pp | 67.2%-14.2pp |
| Annual return | 18.25% | 8757.83%-8739.6pp | 420.54%-402.3pp | 1370.56%-1352.3pp |
| Employer contribution / active EE | $1,591 | $3,813-58.3% | $4,932-67.7% | $2,626-39.4% |
| Participant deferral / active EE | $2,958 | $7,305-59.5% | $8,065-63.3% | $4,350-32.0% |
| Admin fee / account holder | $3,211 | $1,753+83.2% | $12,993-75.3% | $1,946+65.0% |