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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 | $7,011 | $101,672-93.1% | $147,117-95.2% | $74,478-90.6% |
| Participation rate | 27.6% | 75.5%-48.0pp | 82.2%-54.6pp | 67.2%-39.7pp |
| Annual return | 19.83% | 8757.83%-8738.0pp | 420.54%-400.7pp | 1370.56%-1350.7pp |
| Employer contribution / active EE | $982 | $3,813-74.2% | $4,932-80.1% | $2,626-62.6% |
| Participant deferral / active EE | $1,285 | $7,305-82.4% | $8,065-84.1% | $4,350-70.5% |
| Admin fee / account holder | $2,458 | $1,753+40.2% | $12,993-81.1% | $1,946+26.3% |