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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 | $29,498 | $101,672-71.0% | $147,117-79.9% | $74,478-60.4% |
| Participation rate | 62.8% | 75.5%-12.7pp | 82.2%-19.4pp | 67.2%-4.4pp |
| Annual return | 18.41% | 8757.83%-8739.4pp | 420.54%-402.1pp | 1370.56%-1352.1pp |
| Employer contribution / active EE | $1,214 | $3,813-68.2% | $4,932-75.4% | $2,626-53.8% |
| Participant deferral / active EE | $2,269 | $7,305-68.9% | $8,065-71.9% | $4,350-47.8% |
| Admin fee / account holder | $2,240 | $1,753+27.8% | $12,993-82.8% | $1,946+15.1% |