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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 | $21,259 | $102,382-79.2% | $147,005-85.5% | $80,874-73.7% |
| Participation rate | 57.5% | 75.8%-18.3pp | 82.2%-24.7pp | 67.6%-10.1pp |
| Annual return | 15.78% | 134.89%-119.1pp | 418.76%-403.0pp | 35.62%-19.8pp |
| Employer contribution / active EE | $1,058 | $3,715-71.5% | $4,934-78.6% | $2,756-61.6% |
| Participant deferral / active EE | $1,622 | $6,646-75.6% | $8,070-79.9% | $4,297-62.3% |
| Admin fee / account holder | $5,372 | $7,942-32.4% | $13,006-58.7% | $6,935-22.5% |