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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 | $101,653-71.0% | $147,080-79.9% | $74,459-60.4% |
| Participation rate | 62.8% | 75.6%-12.7pp | 82.2%-19.4pp | 67.2%-4.4pp |
| Annual return | 18.41% | 8754.98%-8736.6pp | 420.17%-401.8pp | 1369.70%-1351.3pp |
| Employer contribution / active EE | $1,214 | $3,813-68.2% | $4,933-75.4% | $2,626-53.8% |
| Participant deferral / active EE | $2,269 | $7,304-68.9% | $8,066-71.9% | $4,350-47.8% |
| Admin fee / account holder | $2,240 | $1,752+27.9% | $12,989-82.8% | $1,945+15.2% |