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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 | $24,014 | $101,653-76.4% | $147,080-83.7% | $74,459-67.7% |
| Participation rate | 33.3% | 75.6%-42.2pp | 82.2%-48.8pp | 67.2%-33.9pp |
| Annual return | 21.53% | 8754.98%-8733.4pp | 420.17%-398.6pp | 1369.70%-1348.2pp |
| Employer contribution / active EE | $1,156 | $3,813-69.7% | $4,933-76.6% | $2,626-56.0% |
| Participant deferral / active EE | $2,244 | $7,304-69.3% | $8,066-72.2% | $4,350-48.4% |
| Admin fee / account holder | $6,160 | $1,752+251.7% | $12,989-52.6% | $1,945+216.7% |