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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 | $22,781 | $102,385-77.7% | $147,080-84.5% | $80,935-71.9% |
| Participation rate | 65.6% | 75.9%-10.2pp | 82.2%-16.6pp | 67.7%-2.0pp |
| Annual return | 14.53% | 135.09%-120.6pp | 420.17%-405.6pp | 35.66%-21.1pp |
| Employer contribution / active EE | $1,215 | $3,717-67.3% | $4,933-75.4% | $2,757-55.9% |
| Participant deferral / active EE | $1,602 | $6,651-75.9% | $8,066-80.1% | $4,299-62.7% |
| Admin fee / account holder | $12,650 | $7,951+59.1% | $12,989-2.6% | $6,924+82.7% |