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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 | $5,877 | $34,316-82.9% | $74,719-92.1% | $72,983-91.9% |
| Participation rate | 23.1% | 42.4%-19.3pp | 54.5%-31.4pp | 69.5%-46.4pp |
| Annual return | 18.10% | 26.58%-8.5pp | 753.05%-734.9pp | 81.01%-62.9pp |
| Employer contribution / active EE | $210 | $692-69.7% | $1,084-80.7% | $2,440-91.4% |
| Participant deferral / active EE | $299 | $1,272-76.5% | $1,963-84.8% | $3,608-91.7% |
| Admin fee / account holder | $400 | $2,125-81.2% | $3,334-88.0% | $5,124-92.2% |