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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 | $5,170 | $29,525-82.5% | $56,033-90.8% | $77,736-93.3% |
| Participation rate | 7.7% | 32.7%-24.9pp | 52.5%-44.8pp | 70.6%-62.9pp |
| Annual return | 17.37% | 18.90%-1.5pp | 1711.38%-1694.0pp | 31.26%-13.9pp |
| Employer contribution / active EE | $119 | $569-79.1% | $1,041-88.6% | $2,728-95.6% |
| Participant deferral / active EE | $214 | $1,062-79.9% | $1,954-89.1% | $4,651-95.4% |
| Admin fee / account holder | $1,120 | $1,040+7.7% | $2,827-60.4% | $433+158.5% |