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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 | $7,828 | $54,717-85.7% | $86,216-90.9% | $71,511-89.1% |
| Participation rate | 26.9% | 60.1%-33.2pp | 69.0%-42.0pp | 67.9%-41.0pp |
| Annual return | 20.33% | 20.07%+0.3pp | 1169.42%-1149.1pp | 28.86%-8.5pp |
| Employer contribution / active EE | $512 | $1,267-59.6% | $2,382-78.5% | $2,589-80.2% |
| Participant deferral / active EE | $1,058 | $3,110-66.0% | $3,986-73.5% | $4,291-75.4% |
| Admin fee / account holder | $1,514 | $1,922-21.2% | $6,853-77.9% | $1,588-4.7% |