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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 | $25,310 | $101,672-75.1% | $147,117-82.8% | $74,478-66.0% |
| Participation rate | 41.2% | 75.5%-34.4pp | 82.2%-41.0pp | 67.2%-26.0pp |
| Annual return | 59.93% | 8757.83%-8697.9pp | 420.54%-360.6pp | 1370.56%-1310.6pp |
| Employer contribution / active EE | $951 | $3,813-75.1% | $4,932-80.7% | $2,626-63.8% |
| Participant deferral / active EE | $2,299 | $7,305-68.5% | $8,065-71.5% | $4,350-47.2% |
| Admin fee / account holder | $467 | $1,753-73.4% | $12,993-96.4% | $1,946-76.0% |