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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 | $5,598 | $102,385-94.5% | $147,080-96.2% | $80,935-93.1% |
| Participation rate | 65.8% | 75.9%-10.0pp | 82.2%-16.4pp | 67.7%-1.8pp |
| Annual return | 13.16% | 135.09%-121.9pp | 420.17%-407.0pp | 35.66%-22.5pp |
| Employer contribution / active EE | $1,234 | $3,717-66.8% | $4,933-75.0% | $2,757-55.2% |
| Participant deferral / active EE | $1,484 | $6,651-77.7% | $8,066-81.6% | $4,299-65.5% |
| Admin fee / account holder | $478 | $7,951-94.0% | $12,989-96.3% | $6,924-93.1% |