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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 | $16,220 | $59,456-72.7% | $93,681-82.7% | $74,400-78.2% |
| Participation rate | 25.3% | 59.6%-34.3pp | 68.7%-43.4pp | 67.2%-41.9pp |
| Annual return | 29.12% | 82.00%-52.9pp | 133.47%-104.4pp | 1367.51%-1338.4pp |
| Employer contribution / active EE | $644 | $1,266-49.2% | $2,422-73.4% | $2,624-75.5% |
| Participant deferral / active EE | $872 | $3,052-71.4% | $4,415-80.2% | $4,348-79.9% |
| Admin fee / account holder | $672 | $3,026-77.8% | $8,290-91.9% | $1,944-65.4% |