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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 | $3,251 | $108,882-97.0% | $96,754-96.6% | $154,746-97.9% |
| Participation rate | 50.0% | 75.1%-25.1pp | 70.3%-20.3pp | 80.7%-30.7pp |
| Annual return | 29.64% | 98.39%-68.7pp | 82.04%-52.4pp | 172.34%-142.7pp |
| Employer contribution / active EE | $785 | $3,018-74.0% | $2,679-70.7% | $4,379-82.1% |
| Participant deferral / active EE | $802 | $5,323-84.9% | $4,758-83.2% | $6,730-88.1% |
| Admin fee / account holder | $887 | $10,200-91.3% | $8,905-90.0% | $14,365-93.8% |