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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 | $12,433 | $78,562-84.2% | $105,608-88.2% | $74,429-83.3% |
| Participation rate | 33.2% | 72.8%-39.6pp | 75.3%-42.1pp | 67.2%-34.0pp |
| Annual return | 20.93% | 15.94%+5.0pp | 116.50%-95.6pp | 1368.38%-1347.5pp |
| Employer contribution / active EE | $766 | $2,521-69.6% | $3,167-75.8% | $2,625-70.8% |
| Participant deferral / active EE | $1,634 | $4,321-62.2% | $5,010-67.4% | $4,348-62.4% |
| Admin fee / account holder | $1,051 | $2,217-52.6% | $11,028-90.5% | $1,944-46.0% |