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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 | $28,672 | $79,209-63.8% | $102,434-72.0% | $74,459-61.5% |
| Participation rate | 30.0% | 74.8%-44.8pp | 76.5%-46.5pp | 67.2%-37.2pp |
| Annual return | 20.97% | 54.98%-34.0pp | 29.46%-8.5pp | 1369.70%-1348.7pp |
| Employer contribution / active EE | $811 | $2,362-65.7% | $3,023-73.2% | $2,626-69.1% |
| Participant deferral / active EE | $2,076 | $4,417-53.0% | $5,055-58.9% | $4,350-52.3% |
| Admin fee / account holder | $1,102 | $2,002-44.9% | $9,462-88.4% | $1,945-43.3% |