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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 | $18,264 | $78,562-76.8% | $105,608-82.7% | $74,429-75.5% |
| Participation rate | 50.7% | 72.8%-22.1pp | 75.3%-24.6pp | 67.2%-16.5pp |
| Annual return | 57.16% | 15.94%+41.2pp | 116.50%-59.3pp | 1368.38%-1311.2pp |
| Employer contribution / active EE | $1,000 | $2,521-60.3% | $3,167-68.4% | $2,625-61.9% |
| Participant deferral / active EE | $1,895 | $4,321-56.2% | $5,010-62.2% | $4,348-56.4% |
| Admin fee / account holder | $424 | $2,217-80.9% | $11,028-96.2% | $1,944-78.2% |