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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 | $21,665 | $102,422-78.8% | $147,117-85.3% | $80,959-73.2% |
| Participation rate | 62.2% | 75.9%-13.7pp | 82.2%-20.0pp | 67.7%-5.5pp |
| Annual return | 20.78% | 135.16%-114.4pp | 420.54%-399.8pp | 35.67%-14.9pp |
| Employer contribution / active EE | $6,985 | $3,717+87.9% | $4,932+41.6% | $2,757+153.3% |
| Participant deferral / active EE | $1,573 | $6,652-76.3% | $8,065-80.5% | $4,300-63.4% |
| Admin fee / account holder | $626 | $7,953-92.1% | $12,993-95.2% | $6,925-91.0% |