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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 | $25,102 | $101,591-75.3% | $147,096-82.9% | $74,429-66.3% |
| Participation rate | 29.8% | 75.5%-45.8pp | 82.2%-52.4pp | 67.2%-37.4pp |
| Annual return | 13.40% | 8746.45%-8733.0pp | 419.75%-406.3pp | 1368.38%-1355.0pp |
| Employer contribution / active EE | $1,168 | $3,813-69.4% | $4,936-76.3% | $2,625-55.5% |
| Participant deferral / active EE | $2,207 | $7,302-69.8% | $8,071-72.7% | $4,348-49.3% |
| Admin fee / account holder | $5,596 | $1,750+219.7% | $13,005-57.0% | $1,944+187.8% |