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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 | $26,121 | $101,672-74.3% | $147,117-82.2% | $74,478-64.9% |
| Participation rate | 48.8% | 75.5%-26.8pp | 82.2%-33.4pp | 67.2%-18.4pp |
| Annual return | 14.55% | 8757.83%-8743.3pp | 420.54%-406.0pp | 1370.56%-1356.0pp |
| Employer contribution / active EE | $1,310 | $3,813-65.6% | $4,932-73.4% | $2,626-50.1% |
| Participant deferral / active EE | $2,316 | $7,305-68.3% | $8,065-71.3% | $4,350-46.8% |
| Admin fee / account holder | $4,236 | $1,753+141.6% | $12,993-67.4% | $1,946+117.7% |