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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 | $23,834 | $59,402-59.9% | $93,654-74.6% | $74,546-68.0% |
| Participation rate | 23.7% | 59.7%-36.0pp | 68.7%-45.0pp | 67.2%-43.5pp |
| Annual return | 11.83% | 81.86%-70.0pp | 133.34%-121.5pp | 1366.03%-1354.2pp |
| Employer contribution / active EE | $672 | $1,265-46.9% | $2,421-72.2% | $2,624-74.4% |
| Participant deferral / active EE | $1,202 | $3,049-60.6% | $4,413-72.7% | $4,347-72.3% |
| Admin fee / account holder | $4,267 | $3,023+41.2% | $8,282-48.5% | $1,944+119.6% |