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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 | $18,329 | $101,539-81.9% | $147,041-87.5% | $74,400-75.4% |
| Participation rate | 67.3% | 75.5%-8.2pp | 82.2%-14.9pp | 67.2%+0.1pp |
| Annual return | 16.14% | 8740.84%-8724.7pp | 419.21%-403.1pp | 1367.51%-1351.4pp |
| Employer contribution / active EE | $1,661 | $3,811-56.4% | $4,935-66.3% | $2,624-36.7% |
| Participant deferral / active EE | $2,385 | $7,304-67.3% | $8,071-70.5% | $4,348-45.2% |
| Admin fee / account holder | $1,929 | $1,749+10.3% | $13,006-85.2% | $1,944-0.7% |