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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 | $20,491 | $101,591-79.8% | $147,096-86.1% | $74,429-72.5% |
| Participation rate | 36.7% | 75.5%-38.8pp | 82.2%-45.4pp | 67.2%-30.5pp |
| Annual return | 22.93% | 8746.45%-8723.5pp | 419.75%-396.8pp | 1368.38%-1345.5pp |
| Employer contribution / active EE | $1,210 | $3,813-68.3% | $4,936-75.5% | $2,625-53.9% |
| Participant deferral / active EE | $2,131 | $7,302-70.8% | $8,071-73.6% | $4,348-51.0% |
| Admin fee / account holder | $8,289 | $1,750+373.7% | $13,005-36.3% | $1,944+326.3% |