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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 | $7,501 | $60,504-87.6% | $81,882-90.8% | $74,478-89.9% |
| Participation rate | 29.6% | 62.9%-33.3pp | 72.4%-42.8pp | 67.2%-37.6pp |
| Annual return | 11.72% | 16.91%-5.2pp | 779.47%-767.8pp | 1370.56%-1358.8pp |
| Employer contribution / active EE | $441 | $2,627-83.2% | $2,916-84.9% | $2,626-83.2% |
| Participant deferral / active EE | $698 | $3,400-79.5% | $4,323-83.9% | $4,350-84.0% |
| Admin fee / account holder | $1,515 | $1,492+1.6% | $7,360-79.4% | $1,946-22.1% |