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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 | $5,769 | $57,305-89.9% | $86,640-93.3% | $75,173-92.3% |
| Participation rate | 38.5% | 63.2%-24.7pp | 71.7%-33.2pp | 67.2%-28.7pp |
| Annual return | 28.22% | 2674.24%-2646.0pp | 592.52%-564.3pp | 160.72%-132.5pp |
| Employer contribution / active EE | $411 | $2,316-82.2% | $3,024-86.4% | $2,671-84.6% |
| Participant deferral / active EE | $629 | $3,320-81.0% | $4,438-85.8% | $4,126-84.8% |
| Admin fee / account holder | $401 | $4,116-90.3% | $5,616-92.9% | $5,651-92.9% |