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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 | $20,955 | $184,000-88.6% | $162,185-87.1% | $152,909-86.3% |
| Participation rate | 60.0% | 88.5%-28.5pp | 87.6%-27.6pp | 82.5%-22.5pp |
| Annual return | 22.52% | 150.80%-128.3pp | 115.61%-93.1pp | 345.46%-322.9pp |
| Employer contribution / active EE | $1,692 | $6,370-73.4% | $5,613-69.9% | $4,764-64.5% |
| Participant deferral / active EE | $2,457 | $8,033-69.4% | $7,297-66.3% | $5,851-58.0% |
| Admin fee / account holder | $2,645 | $13,124-79.8% | $10,844-75.6% | $11,601-77.2% |