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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 | $8,076 | $101,591-92.1% | $147,096-94.5% | $74,429-89.1% |
| Participation rate | 46.9% | 75.5%-28.6pp | 82.2%-35.3pp | 67.2%-20.3pp |
| Annual return | 15.60% | 8746.45%-8730.9pp | 419.75%-404.1pp | 1368.38%-1352.8pp |
| Employer contribution / active EE | $1,827 | $3,813-52.1% | $4,936-63.0% | $2,625-30.4% |
| Participant deferral / active EE | $701 | $7,302-90.4% | $8,071-91.3% | $4,348-83.9% |
| Admin fee / account holder | $2,018 | $1,750+15.3% | $13,005-84.5% | $1,944+3.8% |