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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 | $4,733 | $100,139-95.3% | $85,187-94.4% | $145,884-96.8% |
| Participation rate | 50.0% | 74.1%-24.1pp | 67.5%-17.5pp | 80.3%-30.3pp |
| Annual return | 12.21% | 84.15%-71.9pp | 66.67%-54.5pp | 551.85%-539.6pp |
| Employer contribution / active EE | $551 | $3,238-83.0% | $2,732-79.8% | $4,662-88.2% |
| Participant deferral / active EE | $471 | $5,296-91.1% | $4,525-89.6% | $6,690-93.0% |
| Admin fee / account holder | $348 | $7,262-95.2% | $6,162-94.4% | $13,392-97.4% |