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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 | $7,176 | $190,879-96.2% | $160,009-95.5% | $134,532-94.7% |
| Participation rate | 52.9% | 82.0%-29.0pp | 78.0%-25.0pp | 81.2%-28.3pp |
| Annual return | -19.27% | 552.63%-571.9pp | 408.85%-428.1pp | 418.27%-437.5pp |
| Employer contribution / active EE | $770 | $4,995-84.6% | $4,225-81.8% | $4,741-83.8% |
| Participant deferral / active EE | $957 | $6,924-86.2% | $6,183-84.5% | $6,401-85.0% |
| Admin fee / account holder | $339 | $10,495-96.8% | $8,715-96.1% | $11,429-97.0% |