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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 | $30,863 | $88,203-65.0% | $165,100-81.3% | $74,478-58.6% |
| Participation rate | 21.7% | 73.1%-51.4pp | 78.6%-56.9pp | 67.2%-45.5pp |
| Annual return | 12.66% | 17.13%-4.5pp | 70.21%-57.5pp | 1370.56%-1357.9pp |
| Employer contribution / active EE | $812 | $2,601-68.8% | $4,348-81.3% | $2,626-69.1% |
| Participant deferral / active EE | $1,502 | $4,505-66.7% | $6,035-75.1% | $4,350-65.5% |
| Admin fee / account holder | $5,294 | $2,235+136.9% | $12,696-58.3% | $1,946+172.1% |