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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 | $11,373 | $55,715-79.6% | $124,206-90.8% | $71,012-84.0% |
| Participation rate | 22.0% | 34.7%-12.7pp | 69.6%-47.6pp | 58.6%-36.6pp |
| Annual return | 18.84% | 73.23%-54.4pp | 515.27%-496.4pp | 37.67%-18.8pp |
| Employer contribution / active EE | $284 | $964-70.5% | $3,540-92.0% | $2,348-87.9% |
| Participant deferral / active EE | $385 | $1,833-79.0% | $3,968-90.3% | $3,246-88.1% |
| Admin fee / account holder | $301 | $1,481-79.7% | $5,929-94.9% | $1,167-74.2% |