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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 | $15,041 | $80,763-81.4% | $102,412-85.3% | $74,459-79.8% |
| Participation rate | 41.4% | 65.7%-24.3pp | 74.5%-33.1pp | 67.2%-25.8pp |
| Annual return | 94.58% | 27.57%+67.0pp | 24.94%+69.6pp | 1369.70%-1275.1pp |
| Employer contribution / active EE | $1,693 | $3,160-46.4% | $3,870-56.2% | $2,626-35.5% |
| Participant deferral / active EE | $1,236 | $3,862-68.0% | $5,060-75.6% | $4,350-71.6% |
| Admin fee / account holder | $2,740 | $2,371+15.5% | $8,388-67.3% | $1,945+40.9% |