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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 | $18,816 | $102,422-81.6% | $147,117-87.2% | $80,959-76.8% |
| Participation rate | 36.7% | 75.9%-39.2pp | 82.2%-45.5pp | 67.7%-31.0pp |
| Annual return | 24.69% | 135.16%-110.5pp | 420.54%-395.9pp | 35.67%-11.0pp |
| Employer contribution / active EE | $1,192 | $3,717-67.9% | $4,932-75.8% | $2,757-56.8% |
| Participant deferral / active EE | $1,750 | $6,652-73.7% | $8,065-78.3% | $4,300-59.3% |
| Admin fee / account holder | $19,286 | $7,953+142.5% | $12,993+48.4% | $6,925+178.5% |