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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 | $3,292 | $55,470-94.1% | $155,556-97.9% | $74,478-95.6% |
| Participation rate | 31.1% | 61.9%-30.8pp | 78.2%-47.1pp | 67.2%-36.1pp |
| Annual return | 13.66% | 269.80%-256.1pp | 64.84%-51.2pp | 1370.56%-1356.9pp |
| Employer contribution / active EE | $400 | $2,267-82.4% | $4,675-91.4% | $2,626-84.8% |
| Participant deferral / active EE | $603 | $2,838-78.7% | $5,631-89.3% | $4,350-86.1% |
| Admin fee / account holder | $1,059 | $1,744-39.3% | $15,885-93.3% | $1,946-45.6% |